| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ODEN AND ASSOCIATES INC3 Filed as: ODEN AND ASSOCIATES, INC. | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | METLIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.02% |
| KAY WINSTEAD3 | 102 INDIGO COURT MADISON, MS 39110 | METLIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.02% |
| ELAINE DODD3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | METLIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.02% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INS. CORPORATION | PO BOX 1042 PELAHATCHIE, MS 39145 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.86% |
| SIDNEY MEACHAM3 | 124 HOOD DRIVE CLINTON, MS 39056 | CENTRAL UNITED LIFE INSURANCE COMPANY | $496 | $0 | $496 | 2.78% |
| NANCY HAYES3 | 1210 MEADOWBROOK ROAD JADKSON, MS 39206 | CENTRAL UNITED LIFE INSURANCE COMPANY | $490 | $0 | $490 | 2.75% |
| GLYNN GRIFFING & ASSOCIATES3 Filed as: GLYNN GRIFFING AND ASSOCIATES | PO BOX 16509 JACKSON, MS 39236 | CENTRAL UNITED LIFE INSURANCE COMPANY | $488 | $0 | $488 | 2.74% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INS. CORPORATION | PO BOX 1042 PELAHATCHIE, MS 39145 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $200 | $0 | $200 | 6.02% |
| ODEN AND ASSOCIATES INC3 Filed as: ODEN AND ASSOCIATES, INC. | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $113 | $0 | $113 | 3.40% |
| KAY WINSTEAD3 | 102 INDIGO COURT MADISON, MS 39110 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $110 | $0 | $110 | 3.31% |
| ELAINE DODD3 | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $110 | $0 | $110 | 3.31% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 3 carriers) | METLIFE INSURANCE COMPANY | 588 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.