| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAY WINSTEAD3 | 102 INDIGO COURT MADISON, MS 39110 | METLIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.47% |
| ODEN AND ASSOCIATES INC3 Filed as: ODEN & ASSOCIATES INC | 1553 EAST COUNTY LINE ROAD SUITE 100 JACKSON, MS 39211 | METLIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.47% |
| ELAINE DODD3 | 147 HARBOR VIEW DRIVE MADISON, MS 39110 | METLIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.06% |
| EDWIN DEREK PEARCE3 | 623 PICKETS MILL DRIVE SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $876 | $0 | $876 | 0.51% |
| RAMONA PEARCE3 | 432 GULDE ROAD BRANDON, MS 39442 | METLIFE INSURANCE COMPANY | $843 | $0 | $843 | 0.49% |
| GLYNN GRIFFING & ASSOCIATES3 Filed as: GLYNN GRIFFING AND ASSOCIATES | PO BOX 16509 JACKSON, MS 39236 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $427 | $0 | $427 | 2.83% |
| SIDNEY MEACHAM3 | 124 HOOD DRIVE CLINTON, MS 39056 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $264 | $0 | $264 | 1.75% |
| NANCY HAYES3 | 1210 MEADOWBROOK ROAD JACKSON, MS 39206 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $256 | $0 | $256 | 1.70% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | METLIFE INSURANCE COMPANY | 457 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.