| 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 | $17K | $355 | $17K | 12.60% |
| GHS BENEFIT SOLUTIONS LLC3 | 162 CAROLINE POINTE BLVD MADISON, MS 391104730 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | $3K | $292 | $4K | 6.86% |
| SEHC BENEFITS LLC3 | 242 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $615 | $2K | 4.56% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $927 | $69 | $996 | 1.93% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $222 | $712 | 1.38% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $263 | $684 | 1.33% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $213 | $557 | 1.08% |
| KATIE MULLINS WALDROP3 Filed as: KATIE ABIGAIL MULLINS | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $379 | $123 | $502 | 0.97% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $135 | $475 | 0.92% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR. JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $25 | $317 | 0.61% |
| EMILY MEGUMI ERVIN3 | 1012 HWY 43 N PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 0.41% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $3 | $126 | 0.24% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $12 | $102 | 0.20% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $2 | $70 | 0.14% |
| FRANK WOODWARD CRAIG3 | 242 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| THOMAS E GRAHAM3 | P O BOX 501 OCEAN SPRINGS, MS 39566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.03% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $811K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $138K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $138K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $138K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $138K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $138K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.