| 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. | $27K | — | $27K | 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 | 5.11% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| ALLEN FINANCIAL GROUP, PA3 | PO BOX 13128 JACKSON, MS 39211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.15% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $684 | — | $684 | 4.98% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $321 | — | $321 | 7.03% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 359 | $109K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 35 | $30K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 441 | $47K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 42 | $14K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC. | 372 | $266K |
| Other | AETNA LIFE INSURANCE COMPANY | 410 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.