| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE J. ROSSI3 Filed as: EUGENE STARKS | 613 CRESCENT CIRCLE SUITE 201 RIDGLEAND, MS 39157 | BLUE CROSS BLUE SHEILD OF MS | $26K | $0 | $26K | 2.63% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 8.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 9992228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.33% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF MS | 436 | $984K |
| Dental | STANDARD INSURANCE COMPANY | 223 | $99K |
| Vision | STANDARD INSURANCE COMPANY | 223 | $99K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 282 | $87K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 282 | $87K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 282 | $87K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF MS | 436 | $984K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 282 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.