| 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 | $18K | — | $18K | 3.79% |
| RENASANT INSURANCE3 Filed as: RENASANT INSURANCE INC | PO BOX 2220 CORINTH, MS 38835 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.64% |
| ASHFORD MISSISSIPPI LLC3 | 5898 RIDGEWOOD ROAD SUITE A JACKSON, MS 39211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $250 | — | $250 | 0.13% |
| ALLEN FINANCIAL GROUP, PA3 Filed as: ALLEN FINANCIAL GROUP PA | PO BOX 13128 JACKSON, MS 39211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $144 | — | $144 | 0.08% |
| GORDMAN INSURANCE SERVICES INC3 | 401 7TH STREET NORTH COLUMBUS, MS 39701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 194 | $465K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $192K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $192K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $192K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $192K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.