| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G SCOTT COOKE4 Filed as: SCOTT MOAK | 382 MAIN STREET ECRU, MS 38841 | BLUE CROSS BLUE SHIELD | $38K | — | $38K | 7.47% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | 200 SOUTH LAMAR STREET, STE 7005 JACKSON, MS 39201 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC | $19K | — | $19K | 12.42% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 Filed as: AFFORDABLE EMPLOYEE BENEFITS, LLC | 382 WEST MAIN STREET ECRU, MS 38841 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC | $19K | — | $19K | 12.41% |
| GULF GUARANTY EMPLOYEE BENEFIT SERV5 | 4785 I-55 NORTH SUITE 210 JACKSON, MS 39206 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC | — | $19K | $19K | 12.37% |
| G SCOTT COOKE4 Filed as: SCOTT MOAK | 382 MAIN STREET ECRU, MS 38841 | BLUE CROSS BLUE SHIELD | $7K | — | $7K | 9.89% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC | P.O. BOX 1139 JACKSON, MS 39215 | GUARDIAN | $5K | — | $5K | 8.96% |
| AFFORDABLE EMPLOYEE BENEFITS LLC3 | P.O. BOX 96 ECRU, MS 38841 | GUARDIAN | $867 | — | $867 | 1.48% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 433 | $793K |
| Dental | GUARDIAN | 257 | $58K |
| Vision | GUARDIAN | 257 | $58K |
| Life insurance | GUARDIAN | 257 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.