| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JO ANN PANTALONE3 Filed as: ANN MARIE MUNN | BENEFITS MANAGEMENT GROUP 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $63K | — | $63K | 2.96% |
| CORNETT GROUP INC3 | PO BOX 18440 HATTIESBURG, MS 39404 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 20.00% |
| CORNETT GROUP INC3 | 301 S 40TH AVE HATTIESBURG, MS 39402 | STARMOUNT LIFE INSURANCE COMPANY | $17K | — | $17K | 10.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $3K | $12K | 6.89% |
| CORNETT GROUP INC3 | 301 S 40TH AVE HATTIESBURG, MS 39402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 24.53% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 353 | $2.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 216 | $169K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 216 | $169K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 339 | $232K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 339 | $232K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 339 | $232K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 339 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.