| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOWERY GROUP3 Filed as: LOWERY GROUP INC | 1307 AIRPORT ROAD N SUITE 3A FLOWOOD, MS 39232 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $87K | $103K | 4.76% |
| THE LOWERY GROUP3 Filed as: LOWERY INSURANCE | 1307 AIRPORT ROAD N SUITE 3A FLOWOOD, MS 39232 | LIFE INSURANCE CO OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| THE LOWERY GROUP3 Filed as: LOWERY INSURANCE | 1307 AIRPORT ROAD N SUITE 3A FLOWOOD, MS 39232 | LIFE INSURANCE CO OF NORTH AMERICA | $10K | — | $10K | 15.00% |
| THE LOWERY GROUP3 Filed as: LOWERY INSURANCE | 1307 AIRPORT ROAD N SUITE 3A FLOWOOD, MS 39232 | LIFE INSURANCE CO OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| THE LOWERY GROUP3 Filed as: LOWERY INSURANCE | 1307AIRPORT ROAD N SUITE 3A FLOWOOD, MS 39232 | LIFE INSURANCE CO OF NORTH AMERICA | $905 | — | $905 | 15.00% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 480 | $2.2M |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 242 | $67K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 238 | $33K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 238 | $82K |
| Other(2 contracts) | LIFE INSURANCE CO OF NORTH AMERICA | 263 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.