| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE BRANSCOME3 | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $39K | — | $39K | 2.82% |
| MICHEEL BRANSCOME3 | P.O. BOX 1531 GRENADA, MS 38902 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MORGAN WHITE LIMITED3 | P.O. BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 6.51% |
| SECURITY ALLIANCE CORPORATION3 | P.O. BOX 1531 GRENADA, MS 38902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.11% |
| SECURITY INSURANCE AGENCY INC3 Filed as: SECURITY ALLEGIANCE CORPORATION | PO BOX 1531 GRENADA, MS 38902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 30.52% |
| SECURITY ALLIANCE CORPORATION3 | PO BOX 1531 GRENADA, MS 38902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 32.95% |
| SECURITY ALLIANCE CORPORATION3 | P.O. BOX 1531 GRENADA, MS 38902 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 11.26% |
| SECURITY INSURANCE AGENCY INC3 Filed as: SECURITY ALLEGIANCE CORPORATION | P.O. BOX 1531 GRENADA, MS 38902 | AMERICAN FIDELITY ASSURANCE COMPANY | $88 | — | $88 | 7.96% |
| SECURITY ALLIANCE CORPORATION3 | P.O. BOX 1531 GRENADA, MS 38902 | AMERICAN FIDELITY ASSURANCE COMPANY | $48 | — | $48 | 8.03% |
| SECURITY ALLIANCE CORPORATION3 | P.O. BOX 1531 GRENADA, MS 38902 | AMERICAN FIDELITY ASSURANCE COMPANY | $28 | — | $28 | 5.93% |
| MS AUTOMOBILE DEALERS AS3 | 800 WOODLANDS PRKWY STE 200 RIDGELAND, MS 39157 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2 | $2 | 0.42% |
| SECURITY ALLIANCE CORPORATION3 | P.O. BOX 1531 GRENADA, MS 38902 | AMERICAN FIDELITY ASSURANCE COMPANY | $27 | — | $27 | 6.03% |
| MS AUTOMOBILE DEALERS AS3 | 800 WOODLANDS PRKWY RIDGELAND, MS 39157 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2 | $2 | 0.45% |
| SECURITY ALLIANCE CORPORATION3 | P.O. BOX 1531 GRENADA, MS 38902 | AMERICAN FIDELITY ASSURANCE COMPANY | $24 | — | $24 | 5.96% |
| MS AUTOMOBILE DEALERS AS3 | 800 WOODLANDS PRKWY STE 200 RIDGELAND, MS 39157 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $3 | $3 | 0.74% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 292 | $1.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 185 | $77K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 135 | $14K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $43K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MS, INC. | 292 | $1.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.