| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS G MONTGOMERY3 Filed as: THOMAS G. MONTGOMERY | 814 W. PINE STREET HATTIESBURG, MS 39401 | BLUE CROSS BLUE SHIELD OF MS, INC. | $103K | — | $103K | 3.56% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 10.25% |
| 0009S6483 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.17% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LEADERS, LLC | 111 E. TROY STREET SUITE C TUPELO, MS 38804 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 0.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $65K | — | $65K | 25.44% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 14.24% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LEADERS, LLC | 111 E. TROY STREET SUITE C TUPELO, MS 38804 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $354 | — | $354 | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS NASHVILLE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $464 | $3K | 9.37% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | SUITE 300 6000 POPLAR AVENUE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $932 | — | $932 | 2.72% |
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 | 544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 727 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 593 | $566K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 593 | $566K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $56K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 593 | $566K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 593 | $622K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 593 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.