| 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 | $49K | — | $49K | 2.69% |
| 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 | $16K | $5K | $21K | 13.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $3K | $18K | 12.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 2722 MADISON, MS 39130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $416 | $6K | 6.32% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $359 | $2K | 2.30% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $114 | $1K | 1.26% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $77 | $1K | 1.23% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | $351 | $820 | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INT'L GULF SOUTH LTD METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $15 | $674 | 0.76% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $310 | $599 | 0.67% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | — | $576 | 0.65% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $91 | $437 | 0.49% |
| SARA MULLINS3 | P.O. BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $9 | $329 | 0.37% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MA 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $43 | $228 | 0.26% |
| LORETTA PACKER3 | 704 SPRING HILL DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.17% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.15% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $9 | $130 | 0.15% |
| JAMES T WATKINS3 | PO BOX 991 TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $54 | $126 | 0.14% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.12% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DR BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $27 | $98 | 0.11% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $13 | $94 | 0.11% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.07% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $14 | $26 | 0.03% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| HELEN RENEA GREENE3 | 1202 CROSSVIEW CT BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARGARET PUTNAM JEPSON3 | 138 MULLHERRIN DRIVE MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| 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 | $6K | $2K | $8K | 13.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 2722 MADISON, MS 39130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $155 | $2K | 5.42% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $184 | $1K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTL GULF SOUTH LTD 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | $19 | $808 | 1.96% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $568 | $69 | $637 | 1.54% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | $45 | $550 | 1.33% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $188 | $412 | 1.00% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $76 | $321 | 0.78% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $165 | $307 | 0.74% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.58% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $5 | $179 | 0.43% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $14 | $106 | 0.26% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $3 | $51 | 0.12% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $7 | $39 | 0.09% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.09% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| MARGARET PUTNAM JEPSON3 | 138 MULLHERRIN DRIVE MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DR BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $7 | $16 | 0.04% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 350 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 217 | $145K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 217 | $145K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $224K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $160K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $160K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.