| 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. | $88K | — | $88K | 13.13% |
| BOTRELL INSURANCE AGENCY3 | POST OFFICE BOX 1490 JACKSON, MS 392151490 | HCC LIFE INS CO. | $44K | — | $44K | 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 | $93K | — | $93K | 15.00% |
| 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 | $61K | — | $61K | 15.00% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $6K | $23K | 6.57% |
| 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 | $18K | — | $18K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $14K | — | $14K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOX EVERETT A DIVISION OF HUB INTER EIN 35-0672425 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 CONCOURSE BLVD., SUITE 300 RIDGELAND, MS 391586006 | $213K |
| BOTRELL INSURANCE AGENCY BROKER | Custodial (securities) Service code 19 | PO BOX 1490 JACKSON, MS 39215 | $44K |
| 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 | 1,993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,147 | $107K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,164 | $741K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 683 | $409K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,124 | $357K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INS CO. | 1,069 | $673K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,164 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,164 | — |
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.