| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 19 W GARDEN ST SUITE 300 PENSACOLA, FL 32502 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.55% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY INC | P O BOX 1490 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $504 | $11K | 20.45% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 14.44% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $5K | 8.79% |
| ANNA K STEWART3 Filed as: ANNA WEEMS BARNES | 405 PINE RIDGE DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 7.82% |
| MARGARET ANN GRUBBS3 | 646 TWIN HARBOR PLACE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $637 | $2K | 3.63% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $811 | $961 | $2K | 3.38% |
| J MICHAEL NORRIS INC3 Filed as: J MICHAEL NORIS INC | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $246 | $2K | 3.23% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $600 | $1K | 2.15% |
| WESLEY MILLER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $511 | $459 | $970 | 1.85% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $938 | $24 | $962 | 1.84% |
| CATHERINE BROCK3 | 1026 MINERVA ROAD KILMICHAEL, MS 39747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $830 | — | $830 | 1.58% |
| ROBERT BRANDON BROOKER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $407 | $312 | $719 | 1.37% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 115 GLEN ARBOR BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $478 | $19 | $497 | 0.95% |
| MELISSA PRESLEY3 | P O BOX 463 BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $28 | $263 | 0.50% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $3 | $45 | 0.09% |
| PATRICIA BLANCO ESPARZA3 | 4309 BRADLEY LANE ARLINGTON, TX 76017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $1 | $41 | 0.08% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| RON BOWLING3 | 8575 W 110TH STREET OVERLAND, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $8 | $22 | 0.04% |
| MARILYN B BOWLING3 | 19204 WEST 102ND STREET LENEXA, KS 66220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $5 | $16 | 0.03% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $7 | $13 | 0.02% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $770K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.