| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 920 EBENEZER BOULEVARD, SUITE A MADISON, MS 39110 | AMERITAS LIFE INSURANCE CORP | $10K | $0 | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORP | $0 | $801 | $801 | 0.80% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES, LLC | PO BOX 1016 COLUMBUS, MS 39703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.03% |
| SAM MAKAMSON3 | PO BOX 1667 GREENWOOD, MS 38935 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.97% |
| MARCHETTI ROBERTSON AND BRICKELL3 | PO BOX 3348 RIDGELAND, MS 39158 | ZURICH AMERICAN INSURANCE COMPANY | $851 | $0 | $851 | 6.03% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 633 | $100K |
| Vision | AMERITAS LIFE INSURANCE CORP | 633 | $100K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $47K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $47K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.