| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 391586012 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST LIMITED-EQUITABE | HUB INTERNATIONAL GULF METARIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 11.61% |
| THE SANDERS GROUP INC3 Filed as: THE SANDERS GROUP | 14 NORTHTOWN DR, SUITE 202 JACKSON, MS 39211 | AFLAC | $3K | — | $3K | 4.50% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS, JR | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $2K | — | $2K | 2.18% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR, SUITE 202 JACKSON, MS 39211 | AFLAC | $633 | — | $633 | 0.84% |
| LISA DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $435 | — | $435 | 0.57% |
| E SPEED INC3 Filed as: E. SPEED, INC. | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $401 | — | $401 | 0.53% |
| AON CONSULTING INC3 Filed as: C. HEWITT, INC. | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $386 | — | $386 | 0.51% |
| WILLIAM D SIKES3 Filed as: WILLIAM D. SIKES | P.O. BOX 1628 CLEVELAND, MS 38732 | AFLAC | $243 | — | $243 | 0.32% |
| ARTHUR J. GALLAGER & CO.3 | 1076 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | AFLAC | $215 | — | $215 | 0.28% |
| D P SMITH3 Filed as: D. SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $209 | — | $209 | 0.28% |
| J LEE & ASSOCIATES INC3 | 120 GREENVIEW PL STE 3 RICHLAND, MS 39218 | AFLAC | $188 | $10 | $198 | 0.26% |
| PAUL G BOWDEN III3 Filed as: PAUL G BOWDEN, III | P.O. BOX 13647 JACKSON, MS 39236 | AFLAC | $190 | — | $190 | 0.25% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $155 | $10 | $165 | 0.22% |
| BARBARA CAMPBELL MCCORD3 Filed as: BARBARA MCCORD | 155 W BROAD ST DECATUR, MS 39327 | AFLAC | $149 | — | $149 | 0.20% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $135 | — | $135 | 0.18% |
| J DAVID BUTLER3 Filed as: DAVID LOWTHER | 1020 LARAMIE CT MADISON, MS 39110 | AFLAC | $86 | — | $86 | 0.11% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $84 | — | $84 | 0.11% |
| ANITA ATKINSON3 | P O BOX 738 BRANDON, MA 39043 | AFLAC | $83 | — | $83 | 0.11% |
| TERESA KILPATRICK SHAW3 | 6498 ATTALA ROAD 4116 SALLIS, MS 39160 | AFLAC | $62 | — | $62 | 0.08% |
| JOAN M MCSWAIN3 Filed as: JOAN M. MCSWAIN | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $58 | — | $58 | 0.08% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $49 | — | $49 | 0.06% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $48 | — | $48 | 0.06% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $40 | — | $40 | 0.05% |
| NICOLE L CARLSON3 | 217 PINEWOOD DR HATTIESBURG, MS 39402 | AFLAC | $40 | — | $40 | 0.05% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 18 53RD CIR GULFPORT, MS 39507 | AFLAC | $34 | — | $34 | 0.04% |
| LARRY E REXFORD3 Filed as: LARRY REXFORD | 130 BRENTWOOD BLVD GULFPORT, MS 39503 | AFLAC | $34 | — | $34 | 0.04% |
| JOSEPH E PARKER JR3 Filed as: JOSEPH E. PARKER, JR | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $34 | — | $34 | 0.04% |
| PRISCILLA L COLEMAN3 Filed as: PRISCILLA L. COLEMAN | 1127B QUINN STREET JACKSON, MS 39202 | AFLAC | $33 | — | $33 | 0.04% |
| KITTY JO RANEY3 | 46 SUNLINE DR JACKSON, MS 39042 | AFLAC | $33 | — | $33 | 0.04% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $26 | — | $26 | 0.03% |
| JOHN L. WOOD3 Filed as: JOHN WOOD | 51 FENCEWAY DR BRANDON, MS 39042 | AFLAC | $22 | — | $22 | 0.03% |
| RENESHIA S HOBSON3 Filed as: RENESHIA S. HOBSON | 100 WINTERBURY DR MADISON, MS 39272 | AFLAC | $22 | — | $22 | 0.03% |
| MARK BUTLER INC Filed as: MARK BUTLER INC. | 747 HOLY HILLS DRIVE BOLIOXI, MD 39532 | AFLAC | $18 | — | $18 | 0.02% |
| GREGORY J WEEKS3 | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $17 | — | $17 | 0.02% |
| ROBERT T WALKER3 Filed as: ROBERT WALKER | 402 JEFFERSON ST CLINTON, MS 39056 | AFLAC | $16 | — | $16 | 0.02% |
| GARTH KEMP3 | 21 MOSS FOREST CIRCLE JACKSON, MS 39211 | AFLAC | $15 | — | $15 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: NATALIE P. ROGERS | 905 OAK TRL CANTON, MS 39046 | AFLAC | $14 | — | $14 | 0.02% |
| LYNN C WENTWORTH3 Filed as: LYNN WENTWORTH | 164 ASHTON PARK BLVD MADISON, AL 39110 | AFLAC | $14 | — | $14 | 0.02% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38637 | AFLAC | $12 | — | $12 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD STE 300 RIDGELAND, MS 39157 | AFLAC | $10 | — | $10 | 0.01% |
| VICKI M BUTLER3 Filed as: VICKI BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $9 | — | $9 | 0.01% |
| MCDONALD PLUMMER III3 Filed as: MCDONALD PLUMMER, III | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERT LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $8 | — | $8 | 0.01% |
| BEATRICE KIMBROUGH3 | 5352 SNEAD DR WINTER HAVEN, FL 33884 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT T GRIFFIN3 Filed as: ROBERT T. GRIFFIN | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $3 | — | $3 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN T. SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $213 | $565 | $778 | 5.93% |
| THE SANDERS GROUP INC3 | 15 NORTHTOWN DR. STE. C JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 2.30% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.85% |
| CONSTANCE R WALKER3 | 217 BRADFORD PL RICHLAND, MS 39218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.51% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $5 | $65 | 0.50% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $21 | $51 | 0.39% |
| SAMUEL FERRELL3 | 1019 NORTHWIND LANE BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.31% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $14 | $39 | 0.30% |
| BETTY A WILCOX3 | 2027 WOODBURN ST COLORADO SPRINGS, CO 80906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DR CLINTON, MS 39056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.11% |
| SCARLETT PARKER3 | 19 GRANDBABY LN HATTIESBURG, MS 39402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| GARLAND INSURANCE INC3 | C/O HOWARD S GARLAND ESTATE CRYSTAL SPRINGS, MS 39059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| COWLEY INSURANCE SERVICES INC3 | C/O COWLEY INSURANCE SERVICES PLANTERSVILLE, MS 38862 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOX EVERETT A DIVISION OF HUB CONTRACT ADMINISTRATORS | Claims processing Service code 12 | 300 CONCOURSE BLVD, SUITE 300 RIDGELAND, MS 39158 | $99K |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 269 | $217K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 269 | $217K |
| Short-term disability(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 269 | $306K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 269 | $217K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 238 | $284K |
| Other | AFLAC | 71 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.