| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUEL C. KEMP3 | 508 WALDRON STREET P.O BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 5.61% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET PO BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 6.69% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET P.O. BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.78% |
| JAS D COLLIER & CO3 Filed as: JAS. D. COLLIER & CO. | 606 S MENDENHALL ROAD, STE 200 MEMPHIS, TN 381174241 | VISION SERVICE PLAN | $1K | — | $1K | 5.25% |
| SAMUEL C. KEMP3 Filed as: SAMUEL KEMP | 508 WALDRON STREET P.O. BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.76% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 186 | $23K |
| Life insurance(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $246K |
| Short-term disability(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $246K |
| Long-term disability(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.