| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD #300 RIDGELAND, MS 391586012 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 1.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| THE SANDERS GROUP INC3 Filed as: THE SANDERS GROUP | 14 NORTHTOWN DR, SUITE 202 JACKSON, MS 39211 | AFLAC | $2K | — | $2K | 3.56% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS, JR | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $1K | — | $1K | 2.28% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR, SUITE 202 JACKSON, MS 39211 | AFLAC | $551 | — | $551 | 0.97% |
| LISA DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $518 | — | $518 | 0.92% |
| E SPEED INC3 Filed as: E. SPEED, INC. | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $367 | — | $367 | 0.65% |
| AON CONSULTING INC3 Filed as: C. HEWITT, INC. | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $305 | — | $305 | 0.54% |
| PAUL G BOWDEN III3 Filed as: PAUL G BOWDEN, III | P.O. BOX 13647 JACKSON, MS 39236 | AFLAC | $182 | — | $182 | 0.32% |
| WILLIAM D SIKES3 Filed as: WILLIAM D. SIKES | P.O. BOX 1628 CLEVELAND, MS 38732 | AFLAC | $175 | — | $175 | 0.31% |
| D P SMITH3 Filed as: D. SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $170 | — | $170 | 0.30% |
| J LEE & ASSOCIATES INC3 | 120 GREENVIEW PL STE 3 RICHLAND, MS 39218 | AFLAC | $156 | — | $156 | 0.28% |
| ARTHUR J. GALLAGER & CO.3 | 1076 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | AFLAC | $154 | — | $154 | 0.27% |
| BARBARA CAMPBELL MCCORD3 Filed as: BARBARA MCCORD | 155 W BROAD ST DECATUR, MS 39327 | AFLAC | $103 | — | $103 | 0.18% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $98 | — | $98 | 0.17% |
| RICHARD R KIMBROUGH3 | 9505 CHAD COLLEY BLVD UNIT 3804 FORT SMITH, AR 72716 | AFLAC | $98 | — | $98 | 0.17% |
| ANITA ATKINSON3 | P O BOX 738 BRANDON, MA 39043 | AFLAC | $69 | — | $69 | 0.12% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $63 | — | $63 | 0.11% |
| J DAVID BUTLER3 Filed as: DAVID LOWTHER | 1920 LARAMIE CT MADISON, MS 39110 | AFLAC | $62 | — | $62 | 0.11% |
| TERESA KILPATRICK SHAW3 | 6498 ATTALA ROAD 4116 SALLIS, MS 39160 | AFLAC | $44 | — | $44 | 0.08% |
| JOAN M MCSWAIN3 Filed as: JOAN M. MCSWAIN | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $41 | — | $41 | 0.07% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $36 | — | $36 | 0.06% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $35 | — | $35 | 0.06% |
| PRISCILLA L COLEMAN3 Filed as: PRISCILLA L. COLEMAN | 1127B QUINN STREET JACKSON, MS 39202 | AFLAC | $32 | — | $32 | 0.06% |
| KITTY JO RANEY3 | 46 SUNLINE DR JACKSON, MS 39042 | AFLAC | $32 | — | $32 | 0.06% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $29 | — | $29 | 0.05% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $29 | — | $29 | 0.05% |
| JOHN L. WOOD3 Filed as: JOHN WOOD | 51 FENCEWAY DR BRANDON, MS 39042 | AFLAC | $22 | — | $22 | 0.04% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $20 | — | $20 | 0.04% |
| RENESHIA S HOBSON3 Filed as: RENESHIA S. HOBSON | 100 WINTERBURY DR MADISON, MS 39272 | AFLAC | $15 | — | $15 | 0.03% |
| GREGORY J WEEKS3 | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $13 | — | $13 | 0.02% |
| GARTH KEMP3 | 21 MOSS FOREST CIRCLE JACKSON, MS 39211 | AFLAC | $12 | — | $12 | 0.02% |
| ROBERT T WALKER3 Filed as: ROBERT WALKER | 402 JEFFERSON ST CLINTON, MS 39056 | AFLAC | $11 | — | $11 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: NATALIE P. ROGERS | 905 OAK TRL CANTON, MS 39046 | AFLAC | $11 | — | $11 | 0.02% |
| LYNN C WENTWORTH3 Filed as: LYNN WENTWORTH | 164 ASHTON PARK BLVD MADISON, AL 39110 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38637 | AFLAC | $10 | — | $10 | 0.02% |
| VICKI M BUTLER3 Filed as: VICKI BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD STE 300 RIDGELAND, MS 39157 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $6 | — | $6 | 0.01% |
| MCDONALD PLUMMER III3 Filed as: MCDONALD PLUMMER, III | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.01% |
| BEATRICE KIMBROUGH3 | 5352 SNEAD DR WINTER HAVEN, FL 33884 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLOTTE D BOSS3 | 16145 ORANGE GROVE RD STE F GULFPORT, MS 39503 | AFLAC | $5 | — | $5 | 0.01% |
| ANITA WARE3 | 2881A WIRE RD E PERKINSTON, MS 39573 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT T GRIFFIN3 Filed as: ROBERT T. GRIFFIN | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $3 | — | $3 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 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 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE SANDERS GROUP INC3 | 15 NORTHTOWN DR. STE. C JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 5.31% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR STE L RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $177 | $238 | 1.93% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $81 | $164 | 1.33% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $42 | $82 | 0.66% |
| CONSTANCE R WALKER3 | 217 BRADFORD P1 RICHLAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.49% |
| SAMUEL FERRELL3 Filed as: SAMUEL FERREIL | 1019 NORTHWIND LN BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.37% |
| BETTY A WILCOX3 | 2027 WOODBUM ST COLORADO SPRINGS, CO 80906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.15% |
| ADAM I SANDERS3 Filed as: ADAM SANDERS | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.12% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DR CLINTON, MS 39056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| GASPARD EMPLOYEE BENEFITS LLC3 Filed as: GASPARD EMPLOYEE BENEFITS LIC | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.06% |
| SCARLETT PARKER3 | 19 GRANDBABY LN HATTIESBURG, MS 39402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR STE I RIGLAND, 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% |
| COWLEY INSURANCE SERVICES INC3 | C/O COWLEY INSURANCE SERVICES PLANTERSVILLE, MS 38862 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| GARLAND INSURANCE INC3 | C/O HOWARD S GARLAND ESTATE CRYSTAL SPRINGS, MS 39059 | 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% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $922 | — | $922 | 14.99% |
| 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 | $89K |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $119K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $52K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 168 | $103K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $35K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 218 | $267K |
| Other(2 contracts, 2 carriers) | AFLAC | 89 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.