| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION, LAFFITTE & CASELLAS | — | HUMANA INSURANCE OF PUERTO RICO, INC. | $23K | — | $23K | 6.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | AMERITAS LIFE INSURANCE CORPORATION | $33K | — | $33K | 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 | — | $11K | $11K | 3.51% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $124 | $17K | 9.07% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $124 | $16K | 9.07% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $124 | $16K | 9.07% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| INTER OCEAN INSURANCE AGENCY, INC3 | P O BOX 4234 CHRISTIANSTED, VI 008224234 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 6.41% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $124 | $7K | 9.16% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $785 | — | $785 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P O BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (GUS) | 3510 N CAUSEWAY BLVD STE 300 METARIE, LA 70002 | METLIFE INSURANCE COMPANY | $9K | — | $9K | 18.00% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $662 | — | $662 | 1.37% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $636 | — | $636 | 1.32% |
| WALLACE B SANDERS JR3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $981 | — | $981 | 2.40% |
| ADAM I SANDERS3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $621 | — | $621 | 1.52% |
| BARBARA CAMPBELL MCCORD3 | P.O. BOX 25 SANDHILL, MS 39161 | AFLAC | $315 | — | $315 | 0.77% |
| AON CONSULTING INC3 Filed as: EMILY HEWITT SPEED | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $278 | — | $278 | 0.68% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $245 | — | $245 | 0.60% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $219 | — | $219 | 0.54% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DR, STE C JACKSON, MS 39211 | AFLAC | $215 | — | $215 | 0.53% |
| BARBARA CAMPBELL MCCORD3 | 17278 HIGHWAY 15 SAUCIER, MS 39574 | AFLAC | $201 | — | $201 | 0.49% |
| BILLY J DOUGLASS3 | 1360 KARCHER RD SOMERVILLE, TN 38068 | AFLAC | $154 | — | $154 | 0.38% |
| AON CONSULTING INC3 Filed as: CLAUDE H HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $134 | — | $134 | 0.33% |
| DEBORAH A BROADWAY3 | 159 HUCKLEBERRY FARM PELAHATCHIE, MS 39145 | AFLAC | $129 | — | $129 | 0.32% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $119 | — | $119 | 0.29% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $109 | — | $109 | 0.27% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $84 | — | $84 | 0.21% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $63 | — | $63 | 0.15% |
| WILLIAM D SIKES3 | 106 N VICTORIA AVE CLEVELAND, MS 38732 | AFLAC | $58 | — | $58 | 0.14% |
| WALTER GRAVETTE III3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | AFLAC | $52 | — | $52 | 0.13% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $51 | — | $51 | 0.12% |
| ROBERT J LOVERN3 | 10160 ST FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $47 | — | $47 | 0.11% |
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $39 | — | $39 | 0.10% |
| BETTY B JOULLIAN3 | 12 CHATHAM PL CLINTON, MS 39056 | AFLAC | $37 | — | $37 | 0.09% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $29 | — | $29 | 0.07% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $28 | — | $28 | 0.07% |
| J DAVID BUTLER3 | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $26 | — | $26 | 0.06% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $24 | — | $24 | 0.06% |
| RITA JONES INC3 | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $20 | — | $20 | 0.05% |
| REBECCA R STANLEY3 | 620 CANTABRIA DR DAVENPORT, FL 33837 | AFLAC | $19 | — | $19 | 0.05% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $19 | — | $19 | 0.05% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $18 | — | $18 | 0.04% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $17 | — | $17 | 0.04% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.04% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $14 | — | $14 | 0.03% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $13 | — | $13 | 0.03% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $13 | — | $13 | 0.03% |
| PAMELA A WHEAT3 | 7929 LINDA JOYCE DR BARTLETT, TN 38133 | AFLAC | $11 | — | $11 | 0.03% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $5 | $5 | $10 | 0.02% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $10 | — | $10 | 0.02% |
| J DAVID BUTLER3 | 105 LONG LEAF PL 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% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.01% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $6 | — | $6 | 0.01% |
| RITA JONES INC3 Filed as: RITA B JONES | 7075 GOLDEN OAKS LOOP W STE 14 SOUTHAVEN, MS 38671 | AFLAC | $4 | — | $4 | 0.01% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $4 | — | $4 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $4 | — | $4 | 0.01% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $4 | — | $4 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 34.16% |
| ALISON HINTON DAVIS3 Filed as: ALISON H DAVIS | 415 GLENDALE PLACE BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 3.34% |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH T TALTON | 172 BIENVILLE DR MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 1.82% |
| JOHN E LEE3 | 120 GREENVIEW DR STE 3 RICHLAND, MS 39218 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| L CHRIS LINK3 Filed as: CHRIS A LEVERN | 109 MILLCREEK CORNERS SUITE D BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 883 | 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. | 144 | $484K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,366 | $367K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 510 | $65K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,882 | $223K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 254 | $223K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 943 | $179K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,882 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,882 | — |
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.
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.