| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE SMITH3 | 1290 MAIN STREET SOUTHAVEN, MS 38671 | BLUE CROSS BLUE SHIELD OF MS, INC. | $34K | — | $34K | 4.93% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: LS & ASSOCIATES INSURANCE | 1973 OAK TREE COVE HERNANDO, MS 38632 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $20K | — | $20K | 9.98% |
| MARK A. BAILEY3 | 379 LOWER MILLIGAN SPRINGS ROAD WINONA, MS 38671 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.02% |
| MARK A. BAILEY3 | 379 LOWER MILLIGAN SPRINGS ROAD WINONA, MS 38967 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.50% |
| L.S. & ASSOCIATES - SOUTHHAVEN, MS3 Filed as: L S & ASSOCIATES INSURANCE CONSULT | 1290 MAIN STREET SOUTHAVEN, MS 38671 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.50% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CONSULT. | 1290 MAIN STREET SOUTHHAVEN, MS 38671 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MARK A. BAILEY3 | 379 LOWER MILLIGAN SPRINGS ROAD WINONA, MS 38967 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: LS & ASSOCIATES | 1290 MAIN STREET SOUTHAVEN, MS 38671 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | — | $1K | 7.20% |
| MARK A. BAILEY3 | 379 LOWER MILLIGAN SPRINGS ROAD WINONA, MS 38967 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 7.20% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CONSULT. | 1290 MAIN STREET SOUTHAVEN, MS 38671 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $700 | $0 | $700 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CADENT CAPITAL ADVISORS LLC ADVISOR | Investment advisory (plan) Service code 27 | 9206 S TOLEDO AV SUITE 100 TULSA, OK 74137 | $16K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Sub-transfer agency fees; Recordkeeping fees; Participant loan processing; Account maintenance fees Service code 37 | — | $2K |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MS, INC. | 269 | $887K |
| Dental | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | 161 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 227 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $45K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.