| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM SPEED3 Filed as: WILLIAM SHOEMAKE III | UNKNOWN YAZOO CITY, MS 39194 | BLUE CROSS BLUE SHIELD OF MS, INC. | $56K | $0 | $56K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 920 EBENEZER BOULEVARD, SUITE A MADISON, MS 39110 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 920 EBENEZER BOULEVARD, SUITE A MADISON, MS 39110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.50% |
| MJ INSURANCE3 Filed as: JOHN R. WALDRUP AND VARIOUS AGENTS | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $14K | $26K | 46.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2722 MADISON, MS 39130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $569 | $16K | 28.61% |
| J MICHAEL NORRIS INC3 Filed as: J MICHAEL NORRIS, INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $452 | $3K | 4.89% |
| LISA S LEE3 Filed as: LISA S. LEE | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $456 | $2K | 4.09% |
| STACEY HENN GASPARD3 | 115 GLEN ARBOR COURT BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 1.94% |
| ASHLEY S WALDRUP4 Filed as: ASHLEY SCOTT-WALDRUP | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $440 | $939 | 1.65% |
| EMILY MEGUMI ERVIN3 | 1012 HIGHWAY 43 NORTH PELAHATCHIE, MS 39145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $13 | $372 | 0.65% |
| MJ INSURANCE3 Filed as: JOHN R. WALDRUP AND VARIOUS AGENTS | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $7K | $12K | 46.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2722 MADISON, MS 39130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $247 | $7K | 27.25% |
| J MICHAEL NORRIS INC3 Filed as: J MICHAEL NORRIS, INC. | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $194 | $1K | 4.61% |
| EMILY MEGUMI ERVIN3 | 1012 HIGHWAY 43 NORTH PELAHATCHIE, MS 39145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $566 | $21 | $587 | 2.27% |
| LISA S LEE3 Filed as: LISA S. LEE | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $106 | $541 | 2.09% |
| ASHLEY S WALDRUP4 Filed as: ASHLEY SCOTT-WALDRUP | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $252 | $538 | 2.08% |
| STACEY HENN GASPARD3 | 115 GLEN ARBOR COURT BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $8 | $447 | 1.73% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 366 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 161 | $136K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 161 | $136K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $134K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $134K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MS, INC. | 366 | $1.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.