| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L.S. & ASSOCIATES INS. CONSULTANTS | 1973 OAK TREE COVE HERNANDO, MS 38632 | STANDARD INSURANCE COMPANY | $1K | $3K | $4K | 16.27% |
| IONE BENEFITS GROUP INC3 Filed as: IONE BENEFITS GROUP, INC. | 1576 MONTEITH AVENUE, SUITE B HERNANDO, MS 38632 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.43% |
| SHANE D. MARTIN3 | 1803 BLISSWOOD STREET POCAHONTAS, AR 72455 | STANDARD INSURANCE COMPANY | $356 | $0 | $356 | 1.29% |
| TRACY DAVIS3 | 244 OAKVIEW COVE PONTOTOC, MS 38863 | STANDARD INSURANCE COMPANY | $356 | $0 | $356 | 1.29% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 153 | $28K |
| Other | STANDARD INSURANCE COMPANY | 153 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.