| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA FILES3 | UNKNOWN PICAYUNE, MS 39466 | BLUE CROSS BLUE SHIELD OF MS, INC. | $26K | $0 | $26K | 3.43% |
| 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 | $8K | $5K | $12K | 16.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS., INC. | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 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 | $3K | $415 | $4K | 10.27% |
| MJ INSURANCE3 Filed as: APRIL MECHATTO AND VARIOUS AGENTS | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $112 | $2K | 6.20% |
| SEHC BENEFITS LLC3 Filed as: SEHC BENEFITS, LLC | 242 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $159 | $748 | 1.98% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING, INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $232 | $523 | 1.38% |
| J MICHAEL NORRIS INC3 Filed as: J. MICHAEL NORRIS | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $64 | $497 | 1.32% |
| PAMELA ANN BURCHETTE3 | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $64 | $485 | 1.28% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $70 | $356 | 0.94% |
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) | BLUE CROSS BLUE SHIELD OF MS, INC. | 182 | $757K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 87 | $51K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 87 | $51K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $75K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MS, INC. | 182 | $757K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 63 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.