Form 5500 · Employee benefit plan · LAUREL, MS
HEADRICK COMPANIES, INC.
The filing calls this plan THE HEADRICK COMPANIES, INCORPORATED HEALTH & WELFARE BENEFITS PLAN.
HEADRICK COMPANIES, INC. of LAUREL, MS is a 105-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is JAMIE TAYLOR. Coverage is written through BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 64-0737056 · plan 501 · plan year 2025, filed Jun 17, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, dental, life and disability; the largest, with BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, covers 52 people.
The filing declares health, dental, life, disability and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $893,777, with $47,162 in disclosed broker commissions — about 5.3% of premium.
The health contract's policy period ended in November, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
JAMIE TAYLOR is the broker of record on 3 of the 12 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | Health | 52 | Dec 1, 2025 | $298,386 | $12,200 |
| BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | Health | 30 | Dec 1, 2025 | $137,919 | $6,200 |
| BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | Health | 14 | Oct 1, 2025 | $97,237 | $6,039 |
| BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | Health | 21 | Dec 1, 2025 | $142,926 | $5,475 |
| BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | Health, Dental | 11 | Dec 1, 2025 | $123,466 | $3,800 |
| AFLAC | Disability | 37 | Dec 1, 2025 | $18,040 | $2,727 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life | 20 | Apr 1, 2025 | $27,714 | $2,657 |
| AFLAC | Life, Disability | 15 | Oct 1, 2025 | $9,853 | $2,568 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life | 99 | Dec 1, 2025 | $15,608 | $2,341 |
| AFLAC | Disability | 17 | Dec 1, 2025 | $10,426 | $1,609 |
| AFLAC | Disability | 14 | Dec 1, 2025 | $9,979 | $1,363 |
| AFLAC | Disability | 5 | Dec 1, 2025 | $2,223 | $183 |
Premium and claims on these contracts
BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 067439,ET AL. For the contract year on this filing, the carrier reported $298,386 in premium earned and $306,837 in claims incurred. Dividing one by the other gives 103%.
BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 067446,ET AL. For the contract year on this filing, the carrier reported $137,919 in premium earned and $123,507 in claims incurred. Dividing one by the other gives 90%.
BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 065867,ET AL. For the contract year on this filing, the carrier reported $97,237 in premium earned and $122,805 in claims incurred. Dividing one by the other gives 126%.
- BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 067439,ET AL reported $42,039 in retention.
- BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 067446,ET AL reported $19,992 in retention.
- BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 065867,ET AL reported $15,763 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 108 employees, 5 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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