| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCHETTI ROBERTSON & BRI3 | 1062 HIGHLAND COLONY PKWY SUITE 175 RIDGELAND, MS 39157 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $5K | $46K | 16.72% |
| MARCHETTI ROBERTSON & BRI3 | 1062 HIGHLAND COLONY PKWY SUITE 175 RIDGELAND, MS 39157 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $792 | $8K | 16.83% |
| THE WILLIAM MORRIS GROUP PA3 Filed as: THE WILLIAM MORRIS GROUP | 4400 OLD CANTON ROAD SUITE 240 JACKSON, MS 39211 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $1K | — | $1K | 14.99% |
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 | 1,549 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,527 | $280K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,527 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,527 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.