| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN JACKSON, MS 39202 | BLUECROSS BLUE SHIELD OF MISSISSIPPI | $49 | $0 | $49 | 0.02% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD INSURANCE SERVICES, LLC | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 6.81% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | -$152 | $13K | 5.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.14% |
| THE WILLIAM MORRIS GROUP PA3 Filed as: THE WILLIAM MORRIS GROUP P.A. | 4400 OLD CANTON ROAD, SUITE 240 HIGHLAN BLUFF SOUTH, SUITE 240 JACKSON, MS 39211 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 12.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 13.18% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| THE WILLIAM MORRIS GP P.A.3 | 4400 OLD CANTON ROAD, SUITE 240 JACKSON, MS 39211 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 15.14% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF MISSISSIPPI | 114 | $325K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 674 | $387K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 674 | $387K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 674 | $387K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 328 | $197K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 328 | $197K |
| Prescription drug | BLUECROSS BLUE SHIELD OF MISSISSIPPI | 114 | $325K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 674 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.