| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $5K | $25K | 9.56% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 7.50% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 9.61% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 7.50% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $978 | $275 | $1K | 9.61% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $978 | — | $978 | 7.50% |
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 | 912 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 912 | $161K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 912 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.