| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LENDERS LLC | 2844 TRACELAND DR TUPELO, MS 38803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $0 | $31K | 3.58% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LENDERS LLC | 2844 TRACELAND DR TUPELO, MS 38803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $0 | $22K | 15.00% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LENDERS LLC | 2844 TRACELAND DR TUPELO, MS 38803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 14.96% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LENDERS LLC | PO BOX 3667 TUPELO, MS 38803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 15.00% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LENDERS LLC | PO BOX 3667 TUPELO, MS 38803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.00% |
| AMERICAN POLICY LEADERS LLC3 Filed as: AMERICAN POLICY LENDERS LLC | 2844 TRACELAND DR TUPELO, MS 38803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 15.00% |
| AMERICAN POLICY LEADERS LLC3 | 2844 TRACELAND DR TUPELO, MS 38803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
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 |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 830 | $867K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 830 | $867K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $140K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $50K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 830 | $867K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 830 | $867K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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.