| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORET, BROOKS A3 | 1048 CANAL BLVD THIBODAUX, LA 70301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.61% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | PO BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 3.79% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE, SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.64% |
| BROOKS A. FORET3 | 1048 CANAL BOULEVARD THIBODAUX, LA 70301 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 7.89% |
| AMERICAN UNITED LIFE3 | 1 AMERICAN SQ, #368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE, SUITE 100 JACKSON, MS 39211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| CRAIG L. JERNIGAN3 | 3155 GATEWAY LN CANTONMENT, FL 32533 | AMERICAN UNITED LIFE INSURANCE COMPANY | $452 | — | $452 | 0.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W WAUSAU AVENUE WAUSAU, WI 54401 | $56K |
| BANCORPSOUTH INSURANCE SERVICES INC EIN 72-1381997 BROKER | Other commissions Service code 55 | PO BOX 3809 BATON ROUGE, LA 70821 | $5K |
| BROOKS FORET EIN 43-7742755 BROKER | Other commissions Service code 55 | 1048 CANAL BLVD THIBODAUX, LA 70301 | $2K |
| ROSS & YERGER INSURANCE INC EIN 64-0947389 BROKER | Other commissions Service code 55 | PO BOX 1139 JACKSON, MS 39125 | $2K |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $175K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $175K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $49K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $175K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $224K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 148 | $364K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.