| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 3.13% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $125 | $125 | 0.02% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $91 | $3K | 5.00% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $201 | $2K | 2.69% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | $244 | $961 | 1.61% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $924 | $25 | $949 | 1.59% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $184 | $315 | 0.53% |
| SCARLETT PARKER3 | 19 GRANDBABY LN HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.23% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $54 | $138 | 0.23% |
| PAMELA ANN BURCHETTE3 | 15118B JANUS RD DIBERVILLE, MS 39540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.23% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $4 | $54 | 0.09% |
| 1ST CHOICE DIRECT INSURANCE GROUP3 | 500 AVALON WAY BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.09% |
| KEN D CUPIT3 Filed as: KEN CUPIT | PO BOX 138 LIBERTY, MS 39645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| HEATHER SUE GIPSON3 | 12 WHITNEY CIR PURVIS, MS 39475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| PAM ENTERPRISES INC3 Filed as: PAM ENTERPRISES INC. | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES INC. | C/0 COWLEY INSURANCE SERVICES PLANTERSVILLE, MS 38862 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD. PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD. COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| AON CONSULTING INC3 Filed as: THERESE HEWITT | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ADKINS BENEFITS SOLUTIONS INC3 Filed as: ADKINS BENEFITS SOLUTIONS INC. | 6739 KING RD MERIDIAN, MS 39305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ANGELA OVERSTREET3 | 113 MCGREGOR ST N. WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CONSTANCE R WALKER3 | 217 BRADFORD PL RICHLAND, MS 39218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JUDGE BLOUNT3 | 2407 S SHORE DR. BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSGROUP INC3 Filed as: STEPHENS INSURANCE GROUP OF COLUMBU | 520 TUSCALOOSA RD. COLUMBUS, MS 39702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DR. BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DR. CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PATRICIA L LOVELACE3 | 321 FERNWOOD CV PEARL, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | SUITE 100 100 VISION DRIVE JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $9K | 15.35% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 466 | $56K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $500K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $500K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $500K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 565 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.