| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH FRANCIS3 | P.O. BOX 11407 BIRMINGHAM, AL 35246 | BLUE CROSS BLUE SHIELD OF MS, INC. | $26K | — | $26K | 3.81% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | P.O. BOX 2153 DEPT. 1967 BIRMINGHAM, AL 352012153 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 11.28% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DR. SUITE 200 LITTLE ROCK, AR 722021745 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | DEPT. 268 P.O. BOX 11407 BIRMINGHAM, AL 352460268 | NATIONAL GUARDIAN LIFE | $658 | — | $658 | 6.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 238 | $671K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $150K |
| Vision | NATIONAL GUARDIAN LIFE | 123 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $150K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $150K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $150K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.