| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX/EVERETT A DIVISION OF HUB INTER | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | SIRIUSPOINT AMERICA INSURANCE COMPANY | $279K | — | $279K | 60.00% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY | PO BOX 1490 JACKSON, MS 39215 | SIRIUSPOINT AMERICA INSURANCE COMPANY | $186K | — | $186K | 40.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $6K | $25K | 13.48% |
| THE BOTTRELL INSURANCE AGENCY3 | 248 EAST CAPITOL STREET SUITE 1200 PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $459 | $55 | $514 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 19.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 14.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.78% |
| JOEL T. ALLEN4 Filed as: JOEL T ALLEN | 544 PAWNEE WAY MADISON, MS 39110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $253 | — | $253 | 5.50% |
| TIM C. LEWIS4 Filed as: TIM C LEWIS | 218 VALLEY RIDGE DRIVE JACKSON, MS 39206 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $51 | — | $51 | 1.11% |
| KEITH E. SMITH4 Filed as: KEITH E SMITH | 4481 CUMMINGS COVE DRIVE CHATTANOOGA, TN 37419 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOX EVERETT A DIVSION OF HUB INTER EIN 35-0672425 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $283K |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 226 | $189K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 226 | $189K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $159K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $82K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 387 | $465K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.