| 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 RIDGELAND, MS 39157 | HCC LIFE INS CO. | $78K | — | $78K | 13.13% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY | POST OFFICE BOX 1490 JACKSON, MS 392151490 | HCC LIFE INS CO. | $39K | — | $39K | 6.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, ME 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $114K | $5K | $119K | 20.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $85K | $52 | $85K | 20.01% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | NATIONAL GUARDIAN LIFE | $18K | — | $18K | 12.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRE, LA 70009 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $963 | $21K | 20.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOX/EVERETT, INC. EIN 64-0691633 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 CONCOURSE BLVD., SUITE 300 POST OFFICE BOX 6006 RIDGELAND, MS 391586006 | $328K |
| BOTRELL INSURANCE AGENCY BROKER | Custodial (securities) Service code 19 | PO BOX 1490 JACKSON, MS 39215 | $39K |
| PHILADELPHIA INSURANCE CO BROKER | Custodial (securities) Service code 19 | 528 E. MAIN STREET PHILADELPHIA, MS 39350 | $12K |
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 | 1,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 1,108 | $148K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,327 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 741 | $426K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,113 | $303K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INS CO. | 1,113 | $595K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,327 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.