| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 10.87% |
| JOAN G OUTLAW3 Filed as: JOAN G. OUTLAW AND OTHER AGENTS | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| TERRIE J GILL3 Filed as: TERRIE J. GILL | 40058 EASTER VALLEY ROAD GREENWOOD SPRINGS, MS 38848 | CONTINENTAL AMERICAN INSURANCE COMPANY | $893 | $0 | $893 | 0.42% |
| RONALD KOCH3 Filed as: RONALD W. KOCH | 336 MEGAN LANE COLUMBUS, MS 39705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $568 | $0 | $568 | 0.26% |
| MELISSA SPEARS3 | 219 MYERS STREET PHILADELPHIA, MS 39350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $441 | $0 | $441 | 0.21% |
| KATHY PERKINS3 | 1045 FLYNT DRIVE, APARTMENT E1 FLOWOOD, MS 39232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $388 | $0 | $388 | 0.18% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE ROAD MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | $0 | $366 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $579 | $86 | $665 | 11.48% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 579 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.