| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | IRONSHORE INDEMNITY INC. | $21K | — | $21K | 10.00% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $6K | — | $6K | 5.06% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.38% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 13.96% |
| ALLEN FINANCIAL GROUP, PA3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $151 | $151 | $302 | 1.05% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $596 | — | $596 | 4.58% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $306 | — | $306 | 6.41% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 383 | $116K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 34 | $29K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 450 | $47K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 42 | $13K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC. | 398 | $211K |
| Other | AETNA LIFE INSURANCE COMPANY | 420 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.