| 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. | $28K | — | $28K | 10.00% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $5K | — | $5K | 5.19% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | PO BOX 1489 MADISON, MS 39130 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| ALLEN FINANCIAL GROUP, PA3 | PO BOX 13128 JACKSON, MS 39211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.15% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $715 | — | $715 | 4.98% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | AETNA LIFE INSURANCE COMPANY | $310 | — | $310 | 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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 362 | $105K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $34K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 410 | $48K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 43 | $14K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC. | 392 | $281K |
| Other | AETNA LIFE INSURANCE COMPANY | 380 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.