| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS G MONTGOMERY3 Filed as: THOMAS G. MONTGOMERY | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | BLUE CROSS BLUE SHIELD OF MS, INC. | $44K | — | $44K | 2.88% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 4.37% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 3.92% |
| 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 | $37K | — | $37K | 11.21% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY STREET SUITE 305 LITTLE ROCK, AR 72205 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12K | — | $12K | 12.13% |
| AMERICAN POLICY LEADERS LLC3 | SUITE C 111 E TROY STREET TUPELO, MS 38804 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-NASHVILLE | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $5 | $1K | 3.41% |
| REGIONS INSURANCE INC3 | SUITE 300 6000 POPLAR AVENUE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $948 | — | $948 | 2.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| 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 | $4K | — | $4K | 11.84% |
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 | 815 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MS, INC. | 815 | $2.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 679 | $969K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 679 | $969K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $33K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 669 | $334K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 669 | $367K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 669 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.