| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SANFORD3 | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $92K | — | $92K | 4.14% |
| BENEFITS MANAGEMENT GROUP3 | PO BOX 3340 MERIDIAN, MS 393033340 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $66 | $15K | 9.22% |
| MCS SERVICES, INC.3 | 2011 23RD AVENUE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $228 | $10K | 14.34% |
| STEVEN WELTON GREGORY3 Filed as: STEVEN W. GREGORY | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 11.57% |
| JAMES M. EMIDY3 | PO BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $208 | $2K | 3.04% |
| HOMER BENJAMIN TURBEVILLE3 Filed as: HOMER B. TURBEVILLE | 2722 QUAIL RUN JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $4 | $1K | 1.92% |
| PORTER A BURKE3 Filed as: PORTER A. BURKE | 113 N MCGREGOR STREET WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $48 | $1K | 1.66% |
| WAYNE MOORE3 | 508 ETERNAL COURT BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $21 | $515 | 0.76% |
| AON CONSULTING INC3 Filed as: RACHEL HEWITT | PO BOX 15757 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $17 | $393 | 0.58% |
| COBERN DEES HINTON3 Filed as: COBERN D. HINTON | 2738 HIGHWAY 471 BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $48 | $311 | 0.46% |
| APRIL MECHATTO3 | 5107 OBRYAN AVENUE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $11 | $198 | 0.29% |
| ALISON H ODOM3 Filed as: ALISON H. ODOM | 303 SPRINGHILL POINT BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 0.20% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $74 | $137 | 0.20% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $42 | $105 | 0.15% |
| NARREDA S. BURKE3 | 113 N. MCGREGOR STREET WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.15% |
| PATRICIA HINTON GRIGSBY3 Filed as: PATRICIA H. GRIGSBY | 3402 NOTTINGHAM ROAD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.13% |
| CONSTANCE R WALKER3 Filed as: CONSTANCE R. WALKER | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES, INC. | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
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 | 683 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 0 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 439 | $163K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $68K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.