| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.57% |
| JOHN BROCK O'LEARY3 | PO BOX 1730 MERIDIAN, MS 39302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.45% |
| JOHN BROCK O'LEARY3 | PO BOX 1730 MERIDIAN, MS 39302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.30% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DR SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $684 | — | $684 | 3.52% |
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 | 57 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 57 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 57 | $19K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.