| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY | PO BOX 1490 JACKSON, MS 39215 | HCC LIFE INSURANCE COMPANY | $52K | — | $52K | 10.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX EVERETT A DIVISION OF HUB INTER | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | HCC LIFE INSURANCE COMPANY | $10K | — | $10K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 6.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | 19 W GARDEN STREET SUITE 300 PENSACOLA, MS 32502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $906 | $11K | 16.36% |
| THE BOTTRELL INSURANCE AGENCY3 | 248 E CAPITOL STREET SUITE 1200 PO BOX 1490 JACKSON, MS 39215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | 19 W GARDEN STREET SUITE 300 PENSACOLA, MS 32502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$6K | -$1K | -$8K | -12.39% |
| JOEL T. ALLEN4 | 544 PAWNEE WAY MADISON, WI 39110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 6.59% |
| TIM C. LEWIS4 | 218 VALLEY RIDGE DRIVE JACKSON, MS 39206 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $176 | — | $176 | 1.08% |
| KEITH E. SMITH4 | 834 BLISSFIELD CHATTANOOGA, TN 37419 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | — | $67 | 0.41% |
| KAREN M. MCDOWELL4 | 460 FAIRLAND AVENUE FAIRHOPE, AL 36532 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.20% |
| TERESA M. BURGESS4 | 144 HUNTERS ROW MADISON, MS 39110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $19 | — | $19 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOX EVERETT A DIVSION OF HUB INTERN EIN 35-0672425 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $71K |
| BOTTRELL EIN 64-0887176 BROKER | Custodial (securities) Service code 19 | — | $5K |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 215 | $149K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 215 | $149K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $61K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 251 | $492K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.