| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT JOHNSON3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $99K | — | $99K | 2.68% |
| VARIOUS - SEE ATTACHMENT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81K | $22K | $103K | 26.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | PO BOX 1490 JACKSON, MS 392151490 | AMERICAN UNITED LIFE INSURANCE COMPANY | $59K | — | $59K | 16.78% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY INC | 248 EAST CAPITOL STREET, SUITE 1200 JACKSON, MS 39201 | AETNA LIFE INSURANCE COMPANY | $28K | — | $28K | 9.05% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 4.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | 248 EAST CAPITOL STREET JACKSON, MS 39205 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 1,052 | $3.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 923 | $314K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,042 | $70K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 487 | $349K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 487 | $349K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 562 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.