| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $19K | — | $19K | 2.50% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.49% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.95% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE GROUP, INC. | 6000 POPLAR AVENUE 3RD FLOOR MEMPHIS, TN 38119 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.11% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 127 | $757K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $60K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $60K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $60K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 127 | $757K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.