| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, MS 37204 | STANDARD INSURANCE COMPANY | $45K | $21K | $66K | 12.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 2.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $10K | $31K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $721 | $11K | 3.57% |
| JOHN WALDRUP3 | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 7.33% |
| ALEXANDER KENT3 | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.55% |
| CHAD DEVINE3 | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 3.52% |
| ASHLEY WALDRUP3 | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, MS 37204 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.43% |
| MJ INSURANCE3 Filed as: RODNEY NUNEZ JR. AND VARIOUS AGENTS | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 1.98% |
| EMILY ERVIN3 | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, MS 37204 | COMBINED INSURANCE COMPANY | $10K | $0 | $10K | 9.45% |
| EMILY ERVIN3 Filed as: EMILY ROBERTS | UNKNOWN BROOKHAVEN, MS 39601 | COMBINED INSURANCE COMPANY | $3K | $0 | $3K | 2.36% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $313K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $313K |
| Life insurance | STANDARD INSURANCE COMPANY | 658 | $512K |
| Short-term disability | STANDARD INSURANCE COMPANY | 658 | $512K |
| Long-term disability | STANDARD INSURANCE COMPANY | 658 | $512K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 658 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.