| 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 | $43K | — | $43K | 5.23% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 392151139 | AMERITAS LIFE INSURANCE CORPORATION | $39K | — | $39K | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 40 E ALAMAR AVE SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $25K | $25K | 3.04% |
| SCOTT A BINGHMAN3 | PO BOX 1139 JACKSON, MS 32915 | HUMANA INSURANCE OF PUERTO RICO, INC. | $18K | — | $18K | 2.60% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $6K | $55K | 10.08% |
| HWS CLIENT SERVICES LLC3 | 1020 HIGHLAND COLONY SUITE 400 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $6K | $43K | 10.40% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $5K | $38K | 10.40% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $2K | $19K | 10.38% |
| 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% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | — | $39K | 35.92% |
| JOHN E LEE3 | 120 GREENVIEW DR STE 3 RICHLAND, MS 39218 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.52% |
| L CHRIS LINK3 Filed as: CHRIS A LEVERN | 109 MILLCREEK CORNERS SUITE D BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| ALISON HINTON DAVIS3 Filed as: ALISON H DAVIS | 415 GLENDALE PLACE BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH T TALTON | 172 BIENVILLE DR MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (GUS) | 3510 N CAUSEWAY BLVD STE 300 METARIE, LA 70002 | METLIFE INSURANCE COMPANY | $17K | — | $17K | 17.48% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $725 | — | $725 | 0.73% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $697 | — | $697 | 0.70% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DR SUITE 100 JACKSON, MS 39211 | METLIFE INSURANCE COMPANY | $478 | — | $478 | 0.48% |
| AON CONSULTING INC3 Filed as: DAVID WAYNE BRYANT | 302 AGUJA CT LAKEWAY, TX 78738 | METLIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| DOUGLAS WARREN SMITH3 | 337 OLYMPIA FIELDS ST MEADOWLAKE, TX 78654 | METLIFE INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| INTER OCEAN INSURANCE AGENCY, INC3 | P O BOX 4134 CHRISTIANSTED, VI 008224234 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.76% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.00% |
| SCOTT BINGHAM3 Filed as: SCOTT A BINGHAM | PO BOX 1139 JACKSON, MS 392151139 | DELTA DENTAL OF PUERTO RICO, INC. | $3K | — | $3K | 7.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR PO BOX 1801 ADRIAN, MI 49221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.30% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR PO BOX 1801 ADRIAN, MI 49221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.60% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS JR | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $534 | — | $534 | 2.28% |
| BARBARA CAMPBELL MCCORD3 Filed as: BARBARA MCCORD | 911 ARBOR STATION DR LONG BEACH, MS 39560 | AFLAC | $376 | — | $376 | 1.60% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $231 | — | $231 | 0.99% |
| BILLY J DOUGLASS3 Filed as: BILLY DOUGLASS | 13490 US HIGHWAY 64 SOMERVILLE, TN 38068 | AFLAC | $154 | — | $154 | 0.66% |
| TERESA KILPATRICK SHAW3 | 6498 ATTALA ROAD 4116 SALLIS, MS 39160 | AFLAC | $150 | — | $150 | 0.64% |
| DEBORAH A BROADWAY3 Filed as: DEBORAH BROADWAY | 159 HUCKLEBERRY FARM PELAHATCHIE, MS 39145 | AFLAC | $128 | — | $128 | 0.55% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $109 | — | $109 | 0.47% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $108 | — | $108 | 0.46% |
| AON CONSULTING INC3 Filed as: EMILY SPEED | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $105 | — | $105 | 0.45% |
| D P SMITH3 Filed as: D SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $77 | — | $77 | 0.33% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $73 | — | $73 | 0.31% |
| AON CONSULTING INC3 Filed as: CLAUDE HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $52 | — | $52 | 0.22% |
| WALTER GRAVETTE III3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | AFLAC | $52 | — | $52 | 0.22% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $51 | — | $51 | 0.22% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $39 | — | $39 | 0.17% |
| BETTY B JOULLIAN3 Filed as: BETTY JOULLIAN | 12 CHATHAM PL CLINTON, MS 39056 | AFLAC | $37 | — | $37 | 0.16% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $36 | — | $36 | 0.15% |
| WILLIAM WALTER FARRIS3 Filed as: WILLIAM FARRIS | 740 ASTON CROSS DR EADS, TN 38028 | AFLAC | $29 | — | $29 | 0.12% |
| WILLIAM D SIKES3 Filed as: WILLIAM SIKES | PO BOX 1628 CLEVELAND, MS 38732 | AFLAC | $28 | — | $28 | 0.12% |
| ROBERT LOVERN3 | 10160 ST FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $26 | — | $26 | 0.11% |
| RITA JONES INC3 Filed as: RITA JONES | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $24 | — | $24 | 0.10% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $23 | — | $23 | 0.10% |
| PAUL G BOWDEN III3 Filed as: PAUL BOWDEN III | PO BOX 13647 JACKSON, MS 39236 | AFLAC | $22 | — | $22 | 0.09% |
| REBECCA R STANLEY3 Filed as: REBECCA STANLEY | 620 CANTABRIA DR DAVENPORT, FL 33837 | AFLAC | $19 | — | $19 | 0.08% |
| ROBERT T GRIFFIN3 Filed as: ROBERT GRIFFIN | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $19 | — | $19 | 0.08% |
| ROBERT GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $18 | — | $18 | 0.08% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.07% |
| PAMELA A WHEAT3 Filed as: PAMELA CHAMBERS | 7929 LINDA JOYCE DR BARTLETT, TN 38133 | AFLAC | $11 | — | $11 | 0.05% |
| LYNN C WENTWORTH3 Filed as: LYNN WENTWORTH | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.03% |
| ANNE SWANSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | — | $8 | 0.03% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $7 | — | $7 | 0.03% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $7 | — | $7 | 0.03% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $6 | — | $6 | 0.03% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $4 | — | $4 | 0.02% |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $4 | — | $4 | 0.02% |
| BRETT HILTON3 | 4892 W TOPCREST DR SOUTH JORDAN, UT 84009 | AFLAC | $4 | — | $4 | 0.02% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.02% |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH TALTON | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.01% |
| KENNETH ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $1 | — | $1 | 0.00% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR PO BOX 1801 ADRIAN, MI 49221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.40% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR PO BOX 1801 ADRIAN, MI 49221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $844 | — | $844 | 14.60% |
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 | 1,958 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,974 | 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. | 233 | $777K |
| Dental(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 2,701 | $887K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 1,137 | $170K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,744 | $462K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 611 | $603K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,743 | $400K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,744 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,701 | — |
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.