| 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 | $50K | — | $50K | 3.55% |
| 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 | $20K | $8K | $28K | 12.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $16K | $5K | $21K | 12.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INT'L GULF SOUTH LTD METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $481 | $5K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 2722 MADISON, MS 39130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $881 | $1K | $2K | 2.46% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $196 | $2K | 1.76% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $210 | $2K | 1.76% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $96 | $1K | 1.46% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $625 | $965 | 1.13% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | $342 | $826 | 0.96% |
| SARA MULLINS3 | P.O. BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $15 | $536 | 0.63% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | — | $421 | 0.49% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $62 | $337 | 0.39% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.13% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.11% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DR BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| JAMES T WATKINS3 | PO BOX 991 TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE RD JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | $7K | $3K | $10K | 13.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTL GULF SOUTH LTD 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $257 | $3K | 5.98% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $623 | $1K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 2722 MADISON, MS 39130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $982 | — | $982 | 2.32% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $114 | $796 | 1.88% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $78 | $606 | 1.43% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $111 | $590 | 1.40% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $41 | $569 | 1.35% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $348 | $523 | 1.24% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $190 | $435 | 1.03% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.42% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $4 | $165 | 0.39% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE RD TERRY, MS 39170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MARGARET PUTNAM JEPSON3 | 138 MULLHERRIN DRIVE MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DR BRANDON, MS 39047 | 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 | 360 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 226 | $173K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 226 | $173K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $296K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $218K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.