| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN JACKSON, MS 39202 | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $59 | $0 | $59 | 0.01% |
| THE WILLIAM MORRIS GP P.A.3 | 4400 OLD CANTON ROAD, SUITE 240 JACKSON, MS 39211 | HARTFORD LIFE AND ACCIDENT | $48K | $0 | $48K | 10.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 4.15% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 7.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 124 | $635K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 691 | $307K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 691 | $307K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 691 | $307K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 518 | $445K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 518 | $445K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 124 | $635K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 691 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.