| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH FRANCIS3 Filed as: JOSEPH FRANCIS W/ REGIONS INS GROUP | 1020 HIGHLAND COLONY PARKWAY SUITE 806 RIDGELAND, MS 39157 | BLUE CROSS BLUE SHIELD OF MS, INC. | $24K | — | $24K | 2.96% |
| REGIONS INSURANCE INC3 | P.O. BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $814 | $9K | 19.76% |
| REGIONS INS INC DBA BARKSDALE3 | P.O. BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $686 | $6K | 17.00% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $731 | $6K | 20.49% |
| REGIONS INS INC DBA BARKSDALE3 | P.O. BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $597 | $5K | 16.76% |
| REGIONS INS INC DBA BARKSDALE3 | P.O. BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $570 | $5K | 17.00% |
| REGIONS INS INC DBA BARKSDALE3 | P.O. BOX 13389 JACKSON, MS 39236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $494 | $4K | 17.00% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $327 | $2K | 37.78% |
| REGIONS INS INC DBA BARKSDALE3 | P.O. BOX 13389 JACKSON, MS 39236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 26.79% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 278 | $808K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $25K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $25K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.