| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC LA | 3300 W ESPLANADE AVE S SUITE 205 MEAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 1.97% |
| 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 | $26K | — | $26K | 1.91% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.20% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY INC | P O BOX 1490 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.70% |
| 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 | $20K | — | $20K | 13.42% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $6K | $16K | 10.70% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 5.42% |
| HOUSTON LANCE PERSAC3 | 953 HIGHWAY 51 SUITE 2J MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.24% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.04% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE ROAD TERRY, MS 39170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $319 | $4K | 2.34% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $188 | $3K | 2.00% |
| WILLIAM DAVID COOKE3 | 155 EAST SUNSET DRIVE BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $789 | $2K | $3K | 1.67% |
| ANNA K STEWART3 Filed as: ANNA WEEMS BARNES | 405 PINE RIDGE DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| WESLEY MILLER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $867 | $1K | 0.82% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $700 | $360 | $1K | 0.71% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIEGEON RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $595 | $326 | $921 | 0.61% |
| ROBERT BRANDON BROOKER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $910 | — | $910 | 0.61% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $708 | $60 | $768 | 0.51% |
| MICHAEL HAMEL MCGRAW3 | 212 KEY DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.19% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LANE BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.11% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $25 | $141 | 0.09% |
| ANGELA M BELL3 | 429 JEANETTE CIRCLE JACKSON, MS 39212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.4M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 91 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.