| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID KEYES | — | BLUE CROSS BLUE SHIELD OF MS, INC | — | — | $0 | 0.00% |
| INSURANCE ASSOCIATES OF MAGEE INC | PO BOX 1070 MAGEE, MS 39111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.31% |
| HOLLINGSWORTH BENEFITS SOLUTIONS | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.91% |
| LISA S LEE | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $203 | $2K | 2.17% |
| ROBBINS RESEARCH AND PLANNING INC | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $627 | $1K | 1.69% |
| DOROTHY AKIN LITTLE | 2101 23RD AVE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| SEHC BENEFITS LLC | 242 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $348 | $1K | 1.20% |
| SAMUEL FERRELL | 1019 NORTHWIND LN BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | — | $590 | 0.70% |
| HOMER BENJAMIN TURBEVILLE | 2722 QUAIL RUN JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | $1 | $502 | 0.59% |
| EMILY MEGUMI ERVIN | 1012 HWY 43 N PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $7 | $485 | 0.57% |
| J MICHAEL NORRIS INC | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $4 | $345 | 0.41% |
| THOMAS A TURNER IV INSURANCE LLC Filed as: THOMAS A TURNER IV INSURANCE | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.18% |
| BARRY P MURPHY | PO BOX 8137 MERIDIAN, MS 39303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.18% |
| JAMES T WATKINS Filed as: JAMES A COOK | 3175 TANK RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.14% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES MICHAEL EMIDY | PO BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.13% |
| DON FENNELL | 1340 MARSH HARBOR DR JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| BEVERLY TAYLOR Filed as: BEVERLY SPARKS | PO BOX 720669 JACKSON, MS 39272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| E J MCMULLEN | 2257 HWY 496 MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| BSK BENEFITS PLUS LLC | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| LISA KAY AKIN Filed as: LISA K AKIN | 2023 23RD AVE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| SANDRA HARRISON | 139 RENFROE ROAD FLORA, MS 39071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| GARLAND INSURANCE INC | 6254 WATERFORD DRIVE JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | 486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 486 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $117K |
| Vision | VISION SERVICE PLAN | 135 | $15K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 235 | $116K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.