| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM MCNAMARA3 | UNKNOWN MERIDIAN, MS 39307 | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | $26K | $0 | $26K | 3.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 13.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.51% |
| GHS BENEFIT SOLUTIONS LLC2 | 614 CAMELLIA POINTEE BOULEVARD OCEAN SPRINGS, MS 39564 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | MORGAN WHITE GROUP | $14K | $0 | $14K | 15.00% |
| DELAR3 | PO BOX 14067 JACKSON, MS 39236 | MORGAN WHITE GROUP | $5K | $0 | $5K | 5.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | MORGAN WHITE GROUP | $5K | $0 | $5K | 5.00% |
| BARBARA WILLIAMS3 Filed as: BARBARA WILLIAMS INC | 29 WAVERLY COURT HATTIESBURG, MS 39402 | AFLAC | $10K | $501 | $10K | 12.48% |
| J NELSON LLC AND OTHER BROKERS3 | 1929 SPILLWAY ROAD, SUITE D BRANDON, MS 39047 | AFLAC | $2K | $24 | $2K | 2.65% |
| MADISON STALEY3 | 10604 WREN GRV GULFPORT, MS 39503 | AFLAC | $717 | $24 | $741 | 0.89% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $619 | $83 | $702 | 0.85% |
| V L MONTGOMERY INC3 | 6373 RED OAK DRIVE BAILEY, MS 39320 | AFLAC | $681 | $0 | $681 | 0.82% |
| ROBERY GUY FAIRLEY3 | 1317 DRIVE CAMPBELL DRIVE WIGGINS, MS 39577 | AFLAC | $582 | $83 | $665 | 0.80% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $468 | $0 | $468 | 0.56% |
| SWAIN INSURANCE AGENCY INC3 | 3903 PEARL STREET HATTIESBURG, MS 39401 | COLONIAL LIFE AND ACCIDENT COMPANY | $653 | $0 | $653 | 5.60% |
| BARBARA WILLIAMS3 Filed as: BARBARA JEAN WILLIAMS | 29 WAVERLY COURT HATTIESBURG, MS 39402 | COLONIAL LIFE AND ACCIDENT COMPANY | $162 | $0 | $162 | 1.39% |
| PAM ENTERPRISES INC3 | 28 86TH STREET GULDPORT, MS 39507 | COLONIAL LIFE AND ACCIDENT COMPANY | $60 | $6 | $66 | 0.57% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY ROAD WEST POINT, MS 39773 | COLONIAL LIFE AND ACCIDENT COMPANY | $42 | $0 | $42 | 0.36% |
| MARION E DEWEASE3 Filed as: MARION E DEWEASE AND OTHER AGENTS | 5 SOUTHERB OAKS DRIVE PURVIS, MS 39475 | COLONIAL LIFE AND ACCIDENT COMPANY | $17 | $1 | $18 | 0.15% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT COMPANY | $9 | $6 | $15 | 0.13% |
| FRANK WOODWARD CRAIG3 | 731 AVINGNON DRIVE, SUITE 1 RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT COMPANY | $3 | $11 | $14 | 0.12% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 147 | $712K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $203K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $109K |
| Life insurance(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $133K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 77 | $95K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 147 | $712K |
| Other(5 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.