| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $4K | $56K | 5.90% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 4.78% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $5K | $42K | 16.84% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $4K | $38K | 16.99% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $1K | $12K | 16.48% |
| AMERICAN POLICY LEADERS LLC3 | 111 E TROY STREET SUITE C TUPELO, MS 38804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $661 | $6K | 16.98% |
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 | 485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 914 | $954K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 914 | $954K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 914 | $954K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $248K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $225K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $73K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 914 | $954K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.