| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | PO BOX 1070 MAGEE, MS 391111070 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 3.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 391578832 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.88% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST IN | PO BOX 2456 LAFAYETTE, LA 70502 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $189 | $2K | 13.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 391578804 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $39 | $1K | 10.56% |
| THE CASON GROUP INC3 | 1612 MARION ST 4TH FLR COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $323 | $0 | $323 | 2.56% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $625K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $638K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $638K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $638K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $13K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $638K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $625K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.