| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL G BOUTWELL3 | 109 FERN DRIVE BRANDON, MS 39042 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 15.00% |
| TIM LOWERY3 | LOWERY INSURANCE, INC. 1307 AIRPORT ROAD, SUITE 3A FLOWOOD, MS 39232 | MERITAIN HEALTH | $10K | — | $10K | 10.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY ST. LOUIS, MO 63141 | MERITAIN HEALTH | — | $7K | $7K | 7.19% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $5K | $5K | 5.00% |
| GLYNN GRIFFING & ASSOCIATES3 | 1771A LELIA DRIVE JACKSON, MS 39216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 14.93% |
| GLYNN GRIFFING & ASSOCIATES3 Filed as: GLYNN GRIFFING & ASSOCIATES, PA | PO BOX 16509 JACKSON, MS 39236 | METLIFE INSURANCE COMPANY | $4K | — | $4K | 17.99% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR. SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $404 | — | $404 | 1.69% |
| RAMONA S PEARCE3 Filed as: RAMONA S. PEARCE | 432 GULDE RD. BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $387 | — | $387 | 1.62% |
| MARKETING SERVICES3 | P O BOX 368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $992 | — | $992 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART EIN 20-1504892 SERVICE PROVIDER | Contract Administrator; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 222 WEST LAS COLINAS BLVD #500 IRVING, TX 75039 | $48K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MERITAIN HEALTH | 159 | $103K |
| Vision | MERITAIN HEALTH | 159 | $103K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $54K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 168 | $125K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 168 | $115K |
| Other | METLIFE INSURANCE COMPANY | 111 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.