| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 10.04% |
| MJ INSURANCE3 Filed as: MELISSA SPEARS AND VARIOUS AGENTS | 219 MYERS STREET PHILADELPHIA, MS 39350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.09% |
| KATHY PERKINS3 | 1045 FLYNT DRIVE APARTMENT E1 FLOWOOD, MS 39232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.07% |
| RONALD KOCH3 Filed as: RONALD W. KOCH | 336 MEGAN LANE COLUMBUS, MS 39705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.04% |
| JACK E LEE II3 Filed as: JACK E. LEE II | 502 TREELINE DRIVE BRANDON, MS 39042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.04% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNADALE ROAD MADISION, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.03% |
| JOAN G OUTLAW3 Filed as: JOAN G. OUTLAW | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $585 | $157 | $742 | 12.73% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 93 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.