| 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 | $7K | $0 | $7K | 6.19% |
| MJ INSURANCE3 Filed as: WILLIAM ATKINS AND VARIOUS AGENTS | 3399 HARRELL DRIVE WEST POINT, MS 39773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 0.12% |
| RONAL W. KOCH3 | 336 MEGAN LANE COLUMBUS, MS 39705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.04% |
| TERRIE J GILL3 Filed as: TERRIE J. GILL | 40058 EASTER VALLEY ROAD GREENWOOD SPRINGS, MS 38848 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.04% |
| KATHY PERKINS3 | 1045 FLYNT DRIVE APARTMENT E1 FLOWOOD, MS 39232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.03% |
| ELLIOTT G. DISMUKDES3 | 460 SWEDENBURG ROAD CRAWFORD, MS 39743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
| MELISSA SPEARS3 | 219 MYERS STREET PHILADELPHIA, MS 39350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $606 | $93 | $699 | 11.53% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 585 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.