| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA WHITE3 | FISHER BROWN BOTTRELL INS INC PO BOX 1490 JACKSON, MS 392151490 | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | $72K | — | $72K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS INC | PO BOX 1490 JACKSON, MS 39215 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | — | $32K | 10.36% |
| GHS BENEFIT SOLUTIONS LLC3 | 162 CAROLINE POINTE BLVD MADISON, MS 39110 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6 | $8K | 9.77% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $997 | $5K | 5.61% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $252 | $2K | 2.78% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $277 | $2K | 2.77% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $799 | $731 | $2K | 1.76% |
| DON M BROOKS3 | PO BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $130 | $1K | 1.49% |
| JUDITH MARIE DAVIS3 | 919 KIZER MOUNTAIN ROAD BYHALIA, MS 38611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $876 | $206 | $1K | 1.25% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $699 | $1K | 1.17% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $267 | $938 | 1.08% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | $22 | $897 | 1.03% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $31 | $227 | 0.26% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES, INC | 166 ROAD 598 PLANTERSVILLE, MS 38862 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $29 | $176 | 0.20% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.09% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $6 | $32 | 0.04% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 10 CANEBRAKE FLOWOOD, MS 39232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| THOMAS E GRAHAM3 | 5304 SOUTH ST OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 412 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $314K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $314K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $314K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $314K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $314K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.