| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE W MORRISON3 | 16342 ASPEN LANE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 7.44% |
| KATHI JACKSON3 | 8534 OPLA WAY DIAMONDHEAD, MS 39525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $818 | $0 | $818 | 0.74% |
| ALLEN AND SMITH INSURANCE AGENCY3 Filed as: ALLEN AND SMITH INS AGY | 2121 PASS ROAD GULFPORT, MS 39501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $812 | $0 | $812 | 0.74% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $198 | $681 | 0.62% |
| PORTER A BURKE3 Filed as: PORTER A. BURKE | 113 N. MCGREGOR ST. WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $0 | $494 | 0.45% |
| DOROTHY AKIN LITTLE3 | 2101 23RD AVE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 0.16% |
| THOMAS E GRAHAM3 Filed as: THOMAS E. GRAHAM | 5304 SOUTH ST. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.09% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.03% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| JOSEPH L GREENE3 Filed as: JOSEPH L. GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| NARREDA S. BURKE3 | 113 N. MCGREGOR ST. WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| DAVID STEPHENS3 | 2240 MILITARY ROAD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DRIVE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 155 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.