| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNITEDHEALTHCARE INSURANCE COMPANY | $107K | — | $107K | 6.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY SUITE 300 RIDGELAND, MS 391578832 | UNITEDHEALTHCARE INSURANCE COMPANY | -$484 | — | -$484 | -0.03% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S STE 400 BIRMINGHAM, AL 352052842 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $12K | 15.79% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $940 | $5K | 6.29% |
| SUNSTAR INSURANCE GROUP LLC Filed as: SUNSTAR INSURANCE GROPU, LLC DBA PE | 2140 11TH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.03% |
| MORGAN WHITE LIMITED DBA MWG BROKER3 | PO BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 6.52% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA PETRA RMS 2140 11TH AVE S BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | — | $587 | 5.02% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $23 | $173 | 1.48% |
| DAVID MARKS Filed as: DAVID B REEVES | ATTN DAVID B REEVES BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 1.23% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 625 INDUSTRIAL PARK RD CULLMAN, AL 35055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.61% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $9 | $64 | 0.55% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $30 | $55 | 0.47% |
| KATHLEEN FERRELLI Filed as: KATHLEEN FERELLI | 3547 SHANNON VILLAGE RD COOKEVILLE, TN 38506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.24% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.18% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.15% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.11% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH ARTHUR CLARK | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 224 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 106 | $46K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $73K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $73K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $73K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.