| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | AMERITAS LIFE INSURANCE CORPORATION | $24K | — | $24K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 40 E ALAMAR AVE SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE CORPORATION | — | $6K | $6K | 2.60% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.00% |
| HWS CLIENT SERVICES LLC3 | 1020 HIGHLAND COLONY #400 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.19% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.81% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.00% |
| HWS CLIENT SERVICES LLC3 | 1020 HIGHLAND COLONY #400 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.20% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.80% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION, LAFFITTE & CASELLAS | — | HUMANA INSURANCE OF PUERTO RICO, INC. | $6K | — | $6K | 5.85% |
| INTER OCEAN INSURANCE AGENCY, INC3 | P O BOX 4234 CHRISTIANSTED, VI 008224234 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 7.12% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.00% |
| HWS CLIENT SERVICES LLC3 | 1020 HIGHLAND COLONY #400 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.26% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $598 | — | $598 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P O BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WALLACE B SANDERS JR3 Filed as: WALLACE BRISTER SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $1K | — | $1K | 2.55% |
| ADAM I SANDERS3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $755 | — | $755 | 1.54% |
| BARBARA CAMPBELL MCCORD3 | P.O. BOX 25 SANDHILL, MS 39161 | AFLAC | $667 | — | $667 | 1.36% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $500 | — | $500 | 1.02% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $307 | — | $307 | 0.62% |
| AON CONSULTING INC3 Filed as: EMILY HEWITT SPEED | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $279 | — | $279 | 0.57% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DR, STE C JACKSON, MS 39211 | AFLAC | $278 | — | $278 | 0.57% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $195 | — | $195 | 0.40% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $165 | $10 | $175 | 0.36% |
| BILLY J DOUGLASS3 | 1360 KARCHER RD SOMERVILLE, TN 38068 | AFLAC | $154 | — | $154 | 0.31% |
| AON CONSULTING INC3 Filed as: CLAUDE H HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $134 | — | $134 | 0.27% |
| DEBORAH A BROADWAY3 | 159 HUCKLEBERRY FARM PELAHATCHIE, MS 39145 | AFLAC | $129 | — | $129 | 0.26% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $111 | — | $111 | 0.23% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $109 | — | $109 | 0.22% |
| D P SMITH3 | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $92 | — | $92 | 0.19% |
| WILLIAM D SIKES3 | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $89 | — | $89 | 0.18% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $76 | — | $76 | 0.15% |
| ROBERT J LOVERN3 | 10160 ST FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $56 | — | $56 | 0.11% |
| WALTER GRAVETTE III3 | 5771 RAYBEN CR MEMPHIS, TN 38115 | AFLAC | $52 | — | $52 | 0.11% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $51 | — | $51 | 0.10% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $42 | — | $42 | 0.09% |
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $39 | — | $39 | 0.08% |
| BETTY B JOULLIAN3 | 12 CHATHAM PLACE CLINTON, MS 39056 | AFLAC | $37 | — | $37 | 0.08% |
| J DAVID BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $36 | — | $36 | 0.07% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $32 | — | $32 | 0.07% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $29 | — | $29 | 0.06% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $13 | $11 | $24 | 0.05% |
| RITA JONES INC3 | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $24 | — | $24 | 0.05% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $23 | — | $23 | 0.05% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $19 | — | $19 | 0.04% |
| REBECCA R STANLEY3 | 620 CANTABRIA DR DAVENPORT, FL 33837 | AFLAC | $19 | — | $19 | 0.04% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $18 | — | $18 | 0.04% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $16 | — | $16 | 0.03% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.03% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $15 | — | $15 | 0.03% |
| JEREMIAH TROY TALTON3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $12 | — | $12 | 0.02% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $10 | — | $10 | 0.02% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $9 | — | $9 | 0.02% |
| ANNE E SWANSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | — | $8 | 0.02% |
| PAMELA A WHEAT3 | 8023 CREEKWOOD CIR W SOUTHAVEN, MS 38671 | AFLAC | $6 | — | $6 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $6 | — | $6 | 0.01% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $6 | — | $6 | 0.01% |
| PAMELA A WHEAT3 | 4141 ABELIA HILL DR MEMPHIS, TN 38135 | AFLAC | $5 | — | $5 | 0.01% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $4 | — | $4 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT RD HERMITAGE, TN 37076 | AFLAC | $4 | — | $4 | 0.01% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $4 | — | $4 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.00% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (GUS) | 3510 N CAUSEWAY BLVD STE 300 METARIE, LA 70002 | METLIFE INSURANCE COMPANY | $6K | — | $6K | 18.00% |
| COASTAL STATES INSURANCE CORP3 | P O BOX 1042 PELAHATCHIE, MS 39145 | METLIFE INSURANCE COMPANY | $1K | — | $1K | 3.32% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $134 | — | $134 | 0.40% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $128 | — | $128 | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD(GUS) | 3510 N CAUSEWAY BLVD, STE 300 METARIE, LA 70002 | HUMANA INSURANCE COMPANY | $595 | — | $595 | 18.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P O BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $416 | — | $416 | 12.59% |
| COASTAL STATES INSURANCE CORP3 | P O BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $145 | — | $145 | 4.39% |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE OF PUERTO RICO, INC. | 126 | $187K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 987 | $288K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 390 | $50K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,286 | $188K |
| Short-term disability | AFLAC | 45 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $139K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,286 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.