| 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 | $75K | — | $75K | 4.09% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: FISHER BROWN BOTTRELL INS INC | PO BOX 1490 JACKSON, MS 39215 | PRINCIPAL LIFE INSURANCE COMPANY | $46K | — | $46K | 11.48% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $88 | $8K | 9.94% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 6.77% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $943 | $3K | 4.15% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $154 | $2K | 2.15% |
| DON M BROOKS3 | PO BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $131 | $1K | 1.43% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $674 | $384 | $1K | 1.30% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $750 | $1K | 1.28% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $976 | $53 | $1K | 1.26% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $689 | $187 | $876 | 1.07% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $12 | $191 | 0.23% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $43 | $111 | 0.14% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES, INC | 166 ROAD 598 PLANTERSVILLE, MS 38862 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $7 | $77 | 0.09% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.09% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 500 AVALON WAY BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| THOMAS E GRAHAM3 | 5304 SOUTH ST OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ANDREW WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $128 | $11K | 15.13% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 10.71% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $935 | $3K | 4.63% |
| DON M BROOKS3 | PO BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $383 | $3K | 4.62% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR, STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $238 | $2K | 3.01% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR, STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $1K | $2K | 2.24% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $572 | $1K | 1.97% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $58 | $1K | 1.64% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $238 | $977 | 1.39% |
| COWLEY INSURANCE SERVICES INC3 | 166 ROAD 598 PLANTERSVILLE, MS 38862 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $20 | $221 | 0.31% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $19 | $201 | 0.29% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 315 NEW POINTE DRIVE RIDGELAND, MS 39157 | PACIFIC LIFE & ANNUITY COMPANY | $4K | — | $4K | 23.00% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 430 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $398K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $398K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $398K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $417K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $417K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.