| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLAND, PERCY LOUIS3 | PO BOX 10076 JACKSON, MS 39286 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD STE 300 RIDGELAND, MS 39157 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 6.88% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY-MCNAMARA LLC | 1640 LELIA DR STE 220 JACKSON, MS 39216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL GULF SOUTH L | 300 CONCOURSE BLVD RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $271 | $6K | 7.87% |
| PERCY L BLAND JR. & COMPANY3 Filed as: PERCY L BLAND JR & CO | PO BOX 10076 JACKSON, MS 39286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 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 | 746 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 746 | $358K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 746 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.