| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39216 | UNUM LIFE INSURACNE COMPANY OF AMERICA | $14K | $2K | $15K | 8.50% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | UNUM LIFE INSURACNE COMPANY OF AMERICA | $14K | — | $14K | 7.50% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $11K | 11.79% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.50% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 11.37% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.36% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | $265 | $526 | 11.86% |
| PERCY L BLAND JR. & COMPANY3 | PO BOX 10076 JACKSON, MS 39286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $333 | — | $333 | 7.51% |
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 | 806 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURACNE COMPANY OF AMERICA | 899 | $240K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURACNE COMPANY OF AMERICA | 899 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.