| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER-BROWN BOTTRELL INS INC | P.O. BOX 1490 JACKSON, MS 392151490 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | P O BOX 1490 JACKSON, MS 39215 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $7K | $25K | 16.59% |
| GHS BENEFIT SOLUTIONS LLC3 | 162 CAROLINE POINTE BLVD MADISON, MS 391104730 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $679 | $5K | 8.94% |
| SEHC BENEFITS LLC3 | 242 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $562 | $3K | 4.88% |
| ASHLEY S WALDRUP3 Filed as: ASHLEY SCOTT | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $927 | $586 | $2K | 2.67% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $142 | $1K | 2.30% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | $601 | $1K | 2.09% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $390 | $1K | 1.89% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR. JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | $234 | $879 | 1.55% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $162 | $619 | 1.09% |
| FRANK WOODWARD CRAIG3 | 242 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $174 | $352 | 0.62% |
| EMILY MEGUMI ERVIN3 | 1012 HWY 43 N PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $1 | $284 | 0.50% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $7 | $98 | 0.17% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $6 | $91 | 0.16% |
| THOMAS E GRAHAM3 | P O BOX 501 OCEAN SPRINGS, MS 39566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.04% |
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 | 105 | 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. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $818K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $151K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $151K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $151K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $151K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $151K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.