| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW SUITE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $91K | $91K | 32.92% |
| AFFORDABLE BENEFITS LLC3 Filed as: AFFORDABLE BENEFITS | 382 MAIN STREET ECRU, MS 38841 | GERBER LIFE INSURANCE COMPANY | $61K | — | $61K | 22.36% |
| MISSISSIPPI MANUFACTURERS ASSOC4 Filed as: MISSISSIPPI PHYSICIAN CARE NET | PO BOX 22884 JACKSON, MS 392252884 | GERBER LIFE INSURANCE COMPANY | — | $14K | $14K | 5.22% |
| LIFESTYLE HEALTH ADVISORS3 | 29 GEORGETOWN COVE JACKSON, TN 38305 | GERBER LIFE INSURANCE COMPANY | $14K | — | $14K | 5.01% |
| CULTRA3 | 1781 SHOAL CREEK LANE COLLIERVILLE, TN 38017 | GERBER LIFE INSURANCE COMPANY | $4K | — | $4K | 1.43% |
| CARE ADVOCATES4 | 8300 E THORN DRIVE SUITE 300 WICHITA, KS 67226 | GERBER LIFE INSURANCE COMPANY | — | $4K | $4K | 1.29% |
| DANA JETT3 | 51 CROWNPOINTE COVE JACKSON, TN 38305 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 0.52% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 606731232 | GERBER LIFE INSURANCE COMPANY | — | $1K | $1K | 0.50% |
| NORTH ALABAMA PREMIER NETWORK4 | PO BOX 18788 HUNSTVILLE, AL 35804 | GERBER LIFE INSURANCE COMPANY | — | $660 | $660 | 0.24% |
| MELISA SUMMAR3 | 56 BENT TWIG DR JACKSON, TN 38305 | GERBER LIFE INSURANCE COMPANY | $543 | — | $543 | 0.20% |
| HEALTH PARTNERS4 Filed as: HEALTH PARTNERS, INC. | PO BOX 3490 JACKSON, TN 383033490 | GERBER LIFE INSURANCE COMPANY | — | $410 | $410 | 0.15% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 100879380 | GERBER LIFE INSURANCE COMPANY | — | $119 | $119 | 0.04% |
| CENTER CARE PPO4 | PO BOX 9819 BOWLING GREEN, KY 42102 | GERBER LIFE INSURANCE COMPANY | — | $70 | $70 | 0.03% |
| SAGAMORE HEALTH NETWORK4 Filed as: SAGAMORE HEALTH NETWORK INC. | 11595 N MERIDIAN ST STE 600 CARMEL, IN 46032 | GERBER LIFE INSURANCE COMPANY | — | -$33 | -$33 | -0.01% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 Filed as: AFFORDABLE EMPLOYEE BENEFITS, LLC | P.O. BOX 96 ECRU, MS 38841 | GUARDIAN | $17K | $9K | $25K | 16.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 2086 OLD TAYLOR RD STE 202 OXFORD, MS 38655 | GUARDIAN | $3K | — | $3K | 1.95% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 Filed as: AFFORDABLE EMPLOYEE BENEFITS, LLC | P O BOX 96 ECRU, MS 38841 | GULF GUARANTY LIFE INSURANCE COMPANY | $32K | — | $32K | 21.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | GULF GUARANTY LIFE INSURANCE COMPANY | $3K | — | $3K | 2.26% |
| JAY A BAILEY3 | PO BOX 1060 NEW ALBANY, MS 38652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BLVD SUITE 300 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.47% |
| MISSISSIPPI MANUFACTURERS ASSOC3 | 333 W MIFFLIN ST UNIT 2100 MADISON, WI 53703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.88% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 193 | $155K |
| Vision | GUARDIAN | 193 | $155K |
| Life insurance | GUARDIAN | 193 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $48K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 156 | $275K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 193 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.