| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE W MORRISON3 Filed as: JANICE W. MORRISON | 16342 ASPEN LANE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $45 | $6K | 6.95% |
| ALLEN AND SMITH INSURANCE AGENCY3 | PO BOX 1586 GULFPORT, MS 39502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| KATHI JACKSON3 | 8534 OPLA WAY DIAMONDHEAD, MS 39525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | $0 | $612 | 0.70% |
| STEVEN WELTON GREGORY3 | 614 CAMELIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $266 | $502 | 0.57% |
| DOROTHY AKIN LITTLE3 | 2101 23RD AVE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 0.27% |
| COBERN DEES HINTON3 | 2738 HWY 471 BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $28 | $226 | 0.26% |
| PORTER A BURKE3 Filed as: PORTER A. BURKE | 113 N. MCGREGOR STREET WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 0.19% |
| THOMAS E GRAHAM3 Filed as: THOMAS E. GRAHAM | PO BOX 501 OCEAN SPRINGS, MS 39566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.15% |
| DON FENNELL3 | 1340 MARSH HARBOR DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.07% |
| BARRY P MURPHY3 Filed as: BARRY P. MURPHY | PO BOX 8137 MERIDIAN, MS 39303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.06% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING, INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.04% |
| JOSEPH L GREENE3 Filed as: JOSEPH L. GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| DAVID STEPHENS3 | 2240 MILITARY ROAD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| GLENN REEVES3 | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DRIVE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
No Schedule C service providers reported on this filing.
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.