| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE, IN | PO BOX 1490 JACKSON, MS 39215 | COMPANION LIFE INSURANCE COMPANY | $158K | — | $158K | 6.00% |
| SECURITY INSURANCE AGENCY INC3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | COMPANION LIFE INSURANCE COMPANY | $105K | — | $105K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $70K | — | $70K | 9.02% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | $2K | $49K | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $69K | — | $69K | 9.02% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46K | $2K | $48K | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | — | $42K | 9.02% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $2K | $30K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER-BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $44K | — | $44K | 10.80% |
| ALLEN D HARDY3 | PO BOX 89 PHILADELPHIA, MS 39350 | STARMOUNT LIFE INSURANCE COMPANY | $24K | — | $24K | 5.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE, | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $44K | — | $44K | 10.80% |
| ALLEN D HARDY3 | 802 KOSCIUSKO ROAD PHILADELPHIA, MS 39350 | STARMOUNT LIFE INSURANCE COMPANY | $24K | — | $24K | 5.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | MUTUAL OF OMAHA INSURANCE COMPANY | $22K | — | $22K | 14.62% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39215 | MUTUAL OF OMAHA INSURANCE COMPANY | $587 | — | $587 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.03% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 6.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.03% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $600 | $4K | 6.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHEILD OF TN EIN 62-0427913 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $2.1M |
| DELTA DENTAL OF TN EIN 62-0812197 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $140K |
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 | 4,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 3,769 | $809K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8,987 | $1.2M |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,709 | $881K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $64K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 3,735 | $2.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8,987 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,987 | — |
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.