| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| THE SANDERS GROUP INC3 Filed as: THE SANDERS GROUP | 14 NORTHTOWN DR, SUITE 202 JACKSON, MS 39211 | AFLAC | $2K | — | $2K | 2.63% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS, JR | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $1K | — | $1K | 1.94% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $902 | — | $902 | 1.23% |
| ADAM I SANDERS3 | 14 NORTHTOWN DR, SUITE 202 JACKSON, MS 39211 | AFLAC | $828 | — | $828 | 1.13% |
| E SPEED INC3 Filed as: E. SPEED, INC. | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $519 | — | $519 | 0.71% |
| AON CONSULTING INC3 Filed as: C. HEWITT, INC. | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $394 | — | $394 | 0.54% |
| PAUL G BOWDEN III3 Filed as: PAUL G BOWDEN, III | P.O. BOX 13647 JACKSON, MS 39236 | AFLAC | $339 | — | $339 | 0.46% |
| WALLACE B SANDERS JR3 | 15 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $325 | — | $325 | 0.44% |
| ARTHUR J. GALLAGER & CO.3 | 1076 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | AFLAC | $269 | — | $269 | 0.37% |
| WILLIAM D SIKES3 Filed as: WILLIAM D. SIKES | P.O. BOX 1628 CLEVELAND, MS 38732 | AFLAC | $239 | — | $239 | 0.33% |
| D P SMITH3 Filed as: D. P. SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $227 | — | $227 | 0.31% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $196 | — | $196 | 0.27% |
| BARBARA CAMPBELL MCCORD3 | 1525 E PASS RD APT 818 GULFPORT, MS 39507 | AFLAC | $146 | — | $146 | 0.20% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $136 | — | $136 | 0.18% |
| J LEE & ASSOCIATES INC3 Filed as: J LEE & ASSOCIATES INC. | 120 GREENVIEW PL STE 3 RICHLAND, MS 39218 | AFLAC | $95 | — | $95 | 0.13% |
| FLOYD D KIMBROUGH3 Filed as: FLOYD KIMBROUGH | 875 BRIARWOOD DR JACKSON, MS 39211 | AFLAC | $83 | — | $83 | 0.11% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $80 | — | $80 | 0.11% |
| ANITA ATKINSON3 Filed as: ANITA D ATKINSON | P.O. BOX 738 BRANDON, MS 39043 | AFLAC | $76 | — | $76 | 0.10% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $75 | — | $75 | 0.10% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $74 | — | $74 | 0.10% |
| J DAVID BUTLER3 Filed as: DAVID G. LOWTHER | 1020 LARAMIE CT MADISON, MS 39110 | AFLAC | $68 | — | $68 | 0.09% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DR SUITE C JACKSON, MS 39211 | AFLAC | $65 | — | $65 | 0.09% |
| JOHN L. WOOD3 Filed as: JOHN G WOOD | 51 FENCEWAY DR BRANDON, MS 39042 | AFLAC | $63 | — | $63 | 0.09% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $52 | — | $52 | 0.07% |
| JOAN M MCSWAIN3 Filed as: JOAN M. MCSWAIN | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $50 | — | $50 | 0.07% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $50 | — | $50 | 0.07% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $46 | — | $46 | 0.06% |
| PRISCILLA L COLEMAN3 Filed as: PRISCILLA L. COLEMAN | 1127B QUINN STREET JACKSON, MS 39202 | AFLAC | $36 | — | $36 | 0.05% |
| KITTY JO RANEY3 | 777 OLD WILSON RD WEST, MS 39191 | AFLAC | $36 | — | $36 | 0.05% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $31 | — | $31 | 0.04% |
| ROBERT A. WALKER3 | 402 JEFFERSON ST CLINTON, MS 39056 | AFLAC | $24 | — | $24 | 0.03% |
| ANITA WARE3 Filed as: ANITA B. WARE | 2881A WIRE RD E PERKINSTON, MS 39573 | AFLAC | $24 | — | $24 | 0.03% |
| CHARLOTTE D BOSS3 | 16145 ORANGE GROVE RD STE E GULFPORT, MS 39503 | AFLAC | $23 | — | $23 | 0.03% |
| RENESHIA S HOBSON3 Filed as: RENESHIA S. HOBSON | 100 WINTERBURY DR MADISON, MS 39272 | AFLAC | $21 | — | $21 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD STE 300 RIDGELAND, MS 39157 | AFLAC | $15 | — | $15 | 0.02% |
| GARTH KEMP3 | 21 MOSS FOREST CIRCLE JACKSON, MS 39211 | AFLAC | $15 | — | $15 | 0.02% |
| VICKI M BUTLER3 Filed as: VICKI M. BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $14 | — | $14 | 0.02% |
| ROBERT J LOVERN3 Filed as: ROBERT J. LOVERN | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $14 | — | $14 | 0.02% |
| GREGORY J WEEKS3 | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $14 | — | $14 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: NATALIE P. ROGERS | 905 OAK TRL CANTON, MS 39046 | AFLAC | $12 | — | $12 | 0.02% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, AL 39110 | AFLAC | $11 | — | $11 | 0.01% |
| BEATRICE KIMBROUGH3 Filed as: BEATRICE E. KIMBROUGH | 5352 SNEAD DR WINTER HAVEN, FL 33884 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38637 | AFLAC | $11 | — | $11 | 0.01% |
| MCDONALD PLUMMER III3 Filed as: MCDONALD PLUMMER, III | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN W. MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLOTTE D BOSS3 | 16145 ORANGE GROVE RD STE F GULFPORT, MS 39503 | AFLAC | $5 | — | $5 | 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% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SAMUEL FERRELL3 | 1019 NORTH WIND LANE BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.50% |
| CONSTANCE R WALKER3 Filed as: CONSTANCE R. WALKER | 217 BRADFORD PLACE RICHLAND, MS 39218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 1.15% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.36% |
| BETTY A WILCOX3 Filed as: BETTY A. WILCOX | 2027 WOODBURN ST. COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.15% |
| PATRICIA L LOVELACE3 | 321 FERNWOOD COVE PEARL, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 Filed as: HOLLINGSWORTH BENEFITS SOULUTIONS | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.10% |
| J MICHAEL NORRIS INC3 Filed as: J. MICHAEL NORRIS, INC. | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| GARLAND INSURANCE INC3 Filed as: GARLAND INSURANCE, INC. | C/O HOWARD S GA CRYSTAL SPRINGS, MS 39059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES, INC. | 1781 SUMMERLAKE DRIVE TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD. N. JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $907 | — | $907 | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $400 | — | $400 | 15.01% |
| 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 | $141K |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $128K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $53K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 177 | $118K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $32K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 264 | $280K |
| Other(2 contracts, 2 carriers) | AFLAC | 123 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.