| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW SUITE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $101K | $101K | 38.49% |
| AFFORDABLE BENEFITS LLC3 Filed as: AFFORDABLE BENEFITS | 382 MAIN STREET ECRU, MS 38841 | GERBER LIFE INSURANCE COMPANY | $69K | — | $69K | 26.18% |
| MISSISSIPPI MANUFACTURERS ASSOC4 Filed as: MISSISSIPPI PHYSICIAN CARE NET | PO BOX 22884 JACKSON, MS 392252884 | GERBER LIFE INSURANCE COMPANY | — | $16K | $16K | 6.02% |
| LIFESTYLE HEALTH ADVISORS3 | 29 GEORGETOWN COVE JACKSON, TN 38305 | GERBER LIFE INSURANCE COMPANY | $16K | — | $16K | 5.91% |
| CULTRA3 | 1781 SHOAL CREEK LANE COLLIERVILLE, TN 38017 | GERBER LIFE INSURANCE COMPANY | $4K | — | $4K | 1.69% |
| CARE ADVOCATES4 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $4K | $4K | 1.52% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 606731232 | GERBER LIFE INSURANCE COMPANY | — | $2K | $2K | 0.59% |
| NORTH ALABAMA PREMIER NETWORK4 | PO BOX 18788 HUNSTVILLE, AL 35804 | GERBER LIFE INSURANCE COMPANY | — | $750 | $750 | 0.28% |
| HEALTH PARTNERS4 Filed as: HEALTH PARTNERS, INC. | PO BOX 3490 JACKSON, TN 383033490 | GERBER LIFE INSURANCE COMPANY | — | $572 | $572 | 0.22% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 100879380 | GERBER LIFE INSURANCE COMPANY | — | $147 | $147 | 0.06% |
| CENTER CARE PPO4 | PO BOX 9819 BOWLING GREEN, KY 42102 | GERBER LIFE INSURANCE COMPANY | — | $80 | $80 | 0.03% |
| SAGAMORE HEALTH NETWORK4 Filed as: SAGAMORE HEALTH NETWORK INC. | 11595 N MERIDIAN ST STE 600 CARMEL, IN 46032 | GERBER LIFE INSURANCE COMPANY | — | $57 | $57 | 0.02% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 Filed as: AFFORDABLE EMPLOYEE BENEFITS, LLC | P O BOX 96 ECRU, MS 38841 | GULF GUARANTY LIFE INSURANCE COMPANY | $43K | — | $43K | 25.00% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 Filed as: AFFORDABLE EMPLOYEE BENEFITS, LLC | P.O. BOX 96 ECRU, MS 38841 | GUARDIAN | $19K | $8K | $28K | 17.81% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 196 | $155K |
| Vision | GUARDIAN | 196 | $155K |
| Life insurance | GUARDIAN | 196 | $155K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 179 | $264K |
| Other(2 contracts, 2 carriers) | GULF GUARANTY LIFE INSURANCE COMPANY | 230 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.