| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SANFORD3 | 2011 23RD AVE MERIDIAN, MS 39301 | BLUE CROSS BLUE SHIELD OF MS, INC. | $91K | — | $91K | 4.29% |
| BENEFITS MANAGEMENT GROUP3 | PO BOX 3340 MERIDIAN, MS 393033340 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 11.48% |
| ROBERT SANFORD3 | 2011 23RD AVE MERIDIAN, MS 39301 | UNITED AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| MCS SERVICES, INC.3 | 2011 23RD AVENUE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $297 | $9K | 10.97% |
| STEVEN WELTON GREGORY3 Filed as: STEVEN W. GREGORY | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $967 | $5K | 5.70% |
| APRIL MECHATTO3 | 5107 OBRYAN AVENUE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $196 | $2K | 2.51% |
| PAMELA ANN BURCHETTE1 | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $989 | $81 | $1K | 1.34% |
| TRENT MARTIN BRYANT3 | 7112 RAGGIO LANE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $138 | $922 | 1.15% |
| MICHAEL CROWE3 | 601 PURVIS-OLOH RD PURVIS, MS 39475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | — | $743 | 0.93% |
| JAMES M. EMIDY3 | PO BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | $21 | $738 | 0.92% |
| HOMER BENJAMIN TURBEVILLE3 Filed as: HOMER B. TURBEVILLE | 2722 QUAIL RUN JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $2 | $417 | 0.52% |
| PORTER A BURKE3 Filed as: PORTER A. BURKE | 113 N MCGREGOR STREET WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $5 | $349 | 0.44% |
| ADVANTAGE ONE INSURANCE INC.3 Filed as: ADVANTAGE ONE INSURANCE INC | 1019 W PINE STREET HATTIESBURG, MS 39401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $115 | $218 | 0.27% |
| AON CONSULTING INC3 Filed as: RACHEL HEWITT | PO BOX 15757 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.26% |
| JENNIFER ARDE3 | 57 53RD STREET GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $18 | $208 | 0.26% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.22% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DR BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $2 | $75 | 0.09% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $26 | $48 | 0.06% |
| WARREN ARDE3 | 661 TEGARDEN ROAD GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $19 | $46 | 0.06% |
| WAYNE MOORE3 | 508 ETERNAL COURT BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| KEN D CUPIT3 Filed as: KEN D. CUPIT | P. O. BOX 138 LIBERTY, MS 39645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $6 | $20 | 0.03% |
| COBERN DEES HINTON3 | 2738 HIGHWAY 471 BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.01% |
| NARREDA S. BURKE3 | 113 N. MCGREGOR STREET WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| CONSTANCE R WALKER3 Filed as: CONSTANCE R. WALKER | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES, INC. | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 709 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 709 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $181K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $80K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 131 | $94K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.