| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH FRANCIS3 | P.O. BOX 11407 DEPT. 268 BIRMINGHAM, AL 352460268 | BLUE CROSS BLUE SHIELD OF MS, INC. | $17K | — | $17K | 3.59% |
| JOSEPH FRANCIS3 | PO BOX 11407 DEPT. 268 BIRMINGHAM, AL 352460268 | AMFIRST INSURANCE COMPANY | $14K | — | $14K | 15.03% |
| MWL3 | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST INSURANCE COMPANY | $5K | — | $5K | 5.01% |
| REGIONS INS INC DBA BARKSDALE3 | PO BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $847 | $7K | 17.00% |
| REGIONS INS INC DBA BARKSDALE3 | PO BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $688 | $4K | 12.82% |
| REGIONS INS INC DBA BARKSDALE3 | BONDING INS INC PO BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $28 | $3K | 19.16% |
| REGIONS INS INC DBA BARKSDALE3 | PO BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $332 | $2K | 11.71% |
| JOSEPH FRANCIS3 | PO BOX 11407 DEPT. 268 BIRMINGHAM, AL 352460268 | SPECTERA | $2K | — | $2K | 13.32% |
| MWL3 | PO BOX 14067 JACKSON, MS 392364067 | SPECTERA | $2K | — | $2K | 12.25% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 28.77% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 23.46% |
| ALLEN FINANCIAL GROUP, PA3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 0.58% |
| REGIONS INS INC DBA BARKSDALE3 | PO BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $671 | $134 | $805 | 12.00% |
| JOSEPH FRANCIS3 | PO BOX 11407 DEPT. 268 BIRMINGHAM, AL 352460268 | AMFIRST INSURANCE COMPANY | $955 | — | $955 | 14.99% |
| MWL3 | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST INSURANCE COMPANY | $318 | — | $318 | 4.99% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 187 | $461K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $11K |
| Vision | SPECTERA | 100 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $34K |
| Other(5 contracts, 2 carriers) | AMFIRST INSURANCE COMPANY | 134 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.