| 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 | HCC LIFE INSURANCE COMPANY | $105K | — | $105K | 13.13% |
| BOTRELL INSURANCE AGENCY3 | POST OFFICE BOX 1490 JACKSON, MS 39215 | HCC LIFE INSURANCE COMPANY | $52K | — | $52K | 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 | $105K | $21K | $127K | 18.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| 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 | $69K | $20K | $89K | 19.34% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $21K | — | $21K | 11.30% |
| 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 | $13K | $6K | $20K | 22.23% |
| 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 | $199K |
| BOTRELL INSURANCE AGENCY BROKER | Custodial (securities) Service code 19 | PO BOX 1490 JACKSON, MS 39215 | $52K |
| 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 | 1,610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 171 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,221 | $498K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,162 | $189K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,547 | $790K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,653 | $458K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,196 | $406K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 980 | $797K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,547 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,547 | — |
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.