| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 13389 JACKSON, MS 39236 | UNITED HEALTHCARE INSURANCE CO | $17K | — | $17K | 6.50% |
| REGIONS INS GROUP, INC.3 | PO BOX 2153 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE CO. | $18K | — | $18K | 15.00% |
| REGIONS INS GROUP, INC.3 | PO BOX 2153 BIRMINGHAM, AL 352870001 | UNITED OF OMAHA LIFE INSURANCE CO. | $16K | — | $16K | 15.00% |
| REGIONS INS GROUP, INC.3 | PO BOX 2153 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE CO. | $6K | — | $6K | 15.00% |
| MWGB3 | PO BOX 14067 JACKSON, MS 39236 | MORGAN WHITE GROUP | $425 | — | $425 | 14.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing Service code 12 | 795 WOODLANDS PARKWAY RIDGELAND, MS 39157 | $256K |
| MCGRIFF INSURANCE SERVICES, INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 1020 HIGHLAND COLONY PKWY STE 302 RIDGELAND, MS 39157 | $0 |
| REGIONS INSURANCE, INC EIN 71-0621654 BROKER | Other commissions Service code 55 | 1020 HIGHLAND COLONY PKWY STE 302 RIDGELAND, MS 39157 | $0 |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 406 | $256K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 406 | $259K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 377 | $149K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 377 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 366 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.