| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D KIRK SCOGGINS3 | HUB INTERNATIONAL GULF SOUTH LTD 300 CONCOURSE BLVD, STE 300 RIDGELAND, MS 39157 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $56K | — | $56K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 6.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $982 | $9K | 6.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $7K | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 2722 MADISON, MS 39130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $637 | $14K | 16.47% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 5.85% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $406 | $3K | 3.44% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.72% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $263 | $2K | 2.47% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | $930 | $1K | 1.58% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MA 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $248 | $801 | 0.97% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $180 | $667 | 0.81% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $17 | $656 | 0.79% |
| LORETTA PACKER3 | 704 SPRING HILL DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $25 | $573 | 0.69% |
| SARA MULLINS3 | P.O. BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | $76 | $542 | 0.65% |
| JAMES T WATKINS3 | 255 CLUBVIEW CIR PEARL, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $259 | $473 | 0.57% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $57 | $401 | 0.48% |
| WESLEY MILLER BROOKER3 | 1101 GREENBRIAR ST JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $198 | $339 | 0.41% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $28 | $295 | 0.36% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.15% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.12% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $38 | $79 | 0.10% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $2 | $76 | 0.09% |
| HELEN RENEA GREENE3 | 1202 CROSSVIEW CT BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INT'L GULF SOUTH LTD METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $5 | $39 | 0.05% |
| GINAE C EDDINS3 | 224 HIWASSEE DRIVE STARKVILLE, MS 39759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.04% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| ROBERT BRANDON BROOKER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MELISSA ANN PIGOTT3 | 3230 E LISA DR PEARL, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| VIRGINIA MULLINS3 | 434 SHOWS RD E MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ANTHONY JOHN TERRANOVA3 | 108 CENTER ST FLORA, MS 39071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $481 | $4K | 6.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $503 | $3K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 2722 MADISON, MS 39130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $241 | $5K | 14.43% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $458 | $2K | 5.70% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $961 | $160 | $1K | 3.03% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | $115 | $905 | 2.45% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $452 | $877 | 2.37% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $358 | $505 | 1.37% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $5 | $346 | 0.94% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $30 | $313 | 0.85% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $72 | $270 | 0.73% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $24 | $168 | 0.45% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $43 | $139 | 0.38% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $16 | $116 | 0.31% |
| WESLEY MILLER BROOKER3 | 1101 GREENBRIAR ST JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $44 | $68 | 0.18% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.16% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.12% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.11% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $1 | $38 | 0.10% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $7 | $14 | 0.04% |
| ANTHONY JOHN TERRANOVA3 | 108 CENTER ST FLORA, MS 39071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MELISSA ANN PIGOTT3 | 3230 E LISA DR PEARL, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BEVERLY DAWN JONES3 | 808 ASCHAM CT PEARL, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 341 | $1.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 197 | $134K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 197 | $134K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $234K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $170K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $170K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.