| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RENASANT INSURANCE3 | 315 W MAIN STREET TUPELO, MS 38804 | BLUE CROSS BLUE SHIELD OF MS INC | $17K | — | $17K | 2.49% |
| GORDMAN INSURANCE SERVICES INC3 | 401 7TH STREET NORTH COLUMBUS, MS 39701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.89% |
| RENASANT INSURANCE3 Filed as: RENASANT INSURANCE INC | PO BOX 2220 CORINTH, MS 38835 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.93% |
| ALLEN FINANCIAL GROUP, PA3 Filed as: ALLEN FINANCIAL GROUP PA | PO BOX 13128 JACKSON, MS 39211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.02% |
| ASHFORD MISSISSIPPI LLC3 | 5898 RIDGEWOOD ROAD SUITE A JACKSON, MS 39211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 0 | $665K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $57K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $57K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $57K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.