| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ODEN AND ASSOCIATES INC3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| KAY WINSTEAD3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| ELAINE DODD3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INSURANCE CORP. | PO BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 4.40% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 3.60% |
| GLYNN GRIFFING & ASSOCIATES3 Filed as: GLYNN GRIFFING AND ASSSOCIATES | PO BOX 16509 JACKSON, MS 39236 | CENTRAL UNITED LIFE INSURANCE COMPANY | $662 | $0 | $662 | 3.54% |
| SIDNEY MEACHAM3 | 124 HOOD DRIVE CLINTON, MS 39056 | CENTRAL UNITED LIFE INSURANCE COMPANY | $609 | $0 | $609 | 3.25% |
| NANCY HAYES3 | 1210 MEADOWBROOK ROAD JACKSON, MS 39206 | CENTRAL UNITED LIFE INSURANCE COMPANY | $555 | $0 | $555 | 2.97% |
| ODEN AND ASSOCIATES INC3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $171 | $0 | $171 | 3.33% |
| KAY WINSTEAD3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $169 | $0 | $169 | 3.29% |
| ELAINE DODD3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $169 | $0 | $169 | 3.29% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INSURANCE CORP. | PO BOX 1042 PELAHATCHIE, MS 39145 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $154 | $0 | $154 | 3.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $154 | $0 | $154 | 3.00% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $51 | $0 | $51 | 0.99% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CENTRAL UNITED LIFE INSURANCE COMPANY | 20 | $19K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 160 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.