| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE, LTD. | P.O. BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 6.50% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| MWG BROKER SERVICES3 Filed as: MWG MESTMAKER | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| MWG BENEFITS INC3 Filed as: MWG BENEFITS | P.O. BOX 14067 JACKSON, MS 39236 | GUARDIAN | $4K | — | $4K | 10.00% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.05% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE, LTD. | P.O. BOX 14067 JACKSON, MS 39236 | DAVIS VISION | $2K | — | $2K | 7.01% |
| MWG BROKER SERVICES3 Filed as: MWG MESTMAKER | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| MWG BROKER SERVICES3 Filed as: MWG MESTMAKER | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $300 | — | $300 | 14.99% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $200 | — | $200 | 9.99% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMFIRST INSURANCE COMPANY | 256 | $399K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 274 | $192K |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $135K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $105K |
| Other(2 contracts, 2 carriers) | IDENTITY GUARD | 148 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.