| 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 | $35K | — | $35K | 3.45% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY INC | P O BOX 1490 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| 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 | $15K | $2K | $17K | 14.16% |
| JOHN RENE WALDRUP3 | 25 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $6K | $13K | 10.92% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 4.38% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $520 | $3K | 2.57% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $208 | $3K | 2.53% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE ROAD TERRY, MS 39170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $590 | $3K | 2.13% |
| MICHAEL HAMEL MCGRAW3 | 212 KEY DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $638 | $2K | 1.68% |
| ANNA K STEWART3 Filed as: ANNA WEEMS BARNES | 405 PINE RIDGE DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $372 | $2K | 1.42% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $869 | $567 | $1K | 1.22% |
| ROBERT BRANDON BROOKER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $265 | $1K | 1.21% |
| WESLEY MILLER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $332 | $577 | $909 | 0.77% |
| CATHERINE BROCK3 | 1026 MINERVA ROAD KILMICHAEL, MS 39747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $764 | — | $764 | 0.65% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 Filed as: HOLLINGSWORTH BENEFIT SOLUTIONS | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $421 | $728 | 0.62% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 115 GLEN ARBOR BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $473 | $99 | $572 | 0.48% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $456 | $82 | $538 | 0.46% |
| ANGELA M BELL3 | 429 JEANETTE CIRCLE JACKSON, MS 39212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $394 | $22 | $416 | 0.35% |
| MELISSA PRESLEY3 | P O BOX 463 BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.21% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $5 | $74 | 0.06% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| PATRICIA BLANCO ESPARZA3 Filed as: PATRICIA BLANCO ESPERAZA | 4309 BRADLEY LANE ARLINGTON, TX 76017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| RON BOWLING3 | 8575 W 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| MARILYN B BOWLING3 | 19204 WEST 102ND STREET LENEXA, KS 66220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.0M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.