| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES GATHINGS3 | 309 NEWPOINTE DR RIDGELAND, MS 39157 | BLUE CROSS BLUE SHIELD OF MS INC | $198K | — | $198K | 1.44% |
| JAMES GATHINGS3 | 309 NEWPOINTE DR RIDGELAND, MS 39157 | BLUE CROSS BLUE SHIELD OF MS INC | $10K | — | $10K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 700023531 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $8K | $25K | 21.89% |
| MISSISSIPPI LIFE AND HEALTH INSURAN3 | 701 W SUNFLOWER CLEVELAND, MS 38732 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 12.19% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 1022 HIGHLAND COLONY PKWY, STE 202 RIDGELAND, MS 39157 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $45 | $11K | 17.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $816 | $816 | 1.34% |
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 | 1,580 | 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) | 1,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 2,210 | $13.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MS INC | 1,699 | $493K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 37 | $66K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,386 | $127K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $178K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $178K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,386 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,210 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.