| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM MCNAMARA3 | 300 CONCOURSE BLVD, SUITE 300 RIDGELAND, MS 39157 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $57K | — | $57K | 4.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 2086 OLD TAYLOR RD STE 202 OXFORD, MS 38655 | GUARDIAN | $20K | $1K | $21K | 13.63% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 Filed as: AFFORDABLE EMPLOYEE BENEFITS, LLC | P.O. BOX 96 ECRU, MS 38841 | GUARDIAN | — | $656 | $656 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BLVD SUITE 300 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $313 | $9K | 20.75% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 222 | $1.4M |
| Dental | GUARDIAN | 204 | $155K |
| Vision | GUARDIAN | 204 | $155K |
| Life insurance | GUARDIAN | 204 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $42K |
| Other | GUARDIAN | 204 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.