| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 8.30% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $467 | $2K | 1.56% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $406 | $2K | 1.52% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LANE BRANDON, MS 39042 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $837 | $755 | $2K | 1.39% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.38% |
| MARION E DEWEASE3 | 5 SOUTHERN OAKS DRIVE PURVIS, MS 39475 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE SUITE 1 RIDGELAND, MS 39157 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $396 | $1K | $1K | 1.30% |
| SARA MULLINS3 | P O BOZ 735 MENDENHALL, MS 39114 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $36 | $1K | 1.26% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $675 | $506 | $1K | 1.03% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $989 | — | $989 | 0.87% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LANE RAYMOND, MS 39154 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $447 | $534 | $981 | 0.86% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | — | $484 | 0.42% |
| LOUIS NICHOLAS CHIASSON3 | 182 NIEMEYER ROAD LUMBERTON, MS 39455 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | — | $374 | 0.33% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE CROSSING CANTON, MS 39046 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 0.32% |
| SWAIN INSURANCE AGENCY INC3 | 3903 PEARL STREET HATTIESBURG, MS 39401 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $351 | — | $351 | 0.31% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE ROAD TERRY, MS 39179 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $119 | $350 | 0.31% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 39040 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $5 | $186 | 0.16% |
| HOUSTON LANCE PERSAC3 | 953 HIGHWAY 51 SUITE 2 MADISON, MS 39110 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.13% |
| AMY PAULINE DEGENERS3 | 1015 HARRISON DRIVE MCCOMB, MS 39648 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.13% |
| FRANCES MOBLEY3 | 163 FANNIN LANDING CIRCLE BRANDON, MS 39047 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $4 | $150 | 0.13% |
| SCARLET PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.09% |
| J MICHAEL NORRIS INC3 Filed as: J MICHAEL NORIS INC | 731 AVIGNON DRIVE SUITE 1 RIDGELAND, MS 39157 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.09% |
| MJ INSURANCE3 Filed as: THOMAS A TURNER INSUANCE LLC | 909 BAY RIDGE DRIVE JACKSON, MS 39211 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.05% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DRIVE BRANDON, MS 39047 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $23 | $48 | 0.04% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: THERESE HEWITT | P O BOX 15697 HATTIESBURG, MS 39404 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 15.82% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $85K |
| Life insurance(2 contracts, 2 carriers) | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | 144 | $199K |
| Short-term disability | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | 106 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $85K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.