| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA FILES3 | UNKNOWN PICYUNE, MS 39466 | BLUE CROSS BLUE SHIELD OF MS, INC. | $30K | $0 | $30K | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS., INC. | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $914 | $13K | 16.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS., INC. | PO BOX 1490 JACKSON, MS 39215 | NATIONAL GUARDIAN LIFE | $7K | $0 | $7K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS., INC. | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $206 | $1K | 13.56% |
| MJ INSURANCE3 Filed as: SCARLETT PARKER AND VARIOUS AGENTS | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $122 | $758 | 8.13% |
| SEHC BENEFITS LLC3 Filed as: SEHC BENEFITS, LLC | 242 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $67 | $220 | 2.36% |
| PAMERLA ANN BURCHETTE3 | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $12 | $171 | 1.83% |
| MICHAEL CROWE3 | 601 PURVIS-OLOH ROAD PURVIS, MS 39475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $11 | $169 | 1.81% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING, INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $57 | $124 | 1.33% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $19 | $102 | 1.09% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 177 | $1.0M |
| Dental | NATIONAL GUARDIAN LIFE | 96 | $62K |
| Vision | NATIONAL GUARDIAN LIFE | 96 | $62K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $79K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MS, INC. | 177 | $1.0M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.