| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MADELEINE BROWN | 248 EAST CAPITOL STREET, SUITE 1200 JACKSON, MS 39201 | BLUE CROSS BLUE SHIELD OF MS, INC | $41K | — | $41K | 2.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P.O BOX 1490 JACKSON, MS 39215 | GUARDIAN | $16K | $2K | $17K | 9.03% |
| DEBBIE JAUDON3 | 208 WINTERSET DR. STARKVILLE, MS 39759 | BLUE CROSS BLUE SHIELD OF MS, INC | $4K | — | $4K | 2.33% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P.O BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 5.59% |
| JAUDON AND ASSOCIATES, LLC | P.O BOX 1393 STARKVILLE, MS 39760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 4.77% |
| ROBBINS RESEARCH AND PLANNING INC | 731 AVGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 3.28% |
| ASHLEY S WALDRUP Filed as: ASHLEY SCOTT | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $295 | $2K | 2.26% |
| HOLLINGSWORTH BENEFITS SOLUTIONS | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $750 | $2K | 2.01% |
| COWLEY INSURANCE SERVICES INC | 1781 SUMMERLAKE DR. TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $301 | $2K | 1.46% |
| SEHC BENEFITS LLC | 242 SAWBRIDGE DR. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $218 | $1K | 1.44% |
| REBECCA LYNN SMITH | 103 GRANFIELD COURT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $208 | $1K | 1.25% |
| DON M BROOKS | P.O BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | $94 | $984 | 0.95% |
| EMILY MEGUMI ERVIN | 1012 HWY 43 N PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $952 | $10 | $962 | 0.93% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES MICHAEL EMIDY | P.O BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $869 | $48 | $917 | 0.88% |
| JOHN RENE WALDRUP | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $16 | $622 | 0.60% |
| THOMAS A TURNER IV INSURANCE LLC | 909 BAY RIDGE DR. JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | — | $515 | 0.50% |
| JASON RYAN SHEFFIELD | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $30 | $475 | 0.46% |
| LISA S LEE | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $36 | $356 | 0.34% |
| COBERN DEES HINTON | 2738 HWY 471 BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | — | $321 | 0.31% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 0.24% |
| LAUREN SWAIN | 123 GARRISON WAY FLOWOOD, MS 39232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $23 | $234 | 0.23% |
| H WILSON SLEDGE | 705 10TH AVE CLEVELAND, MS 38732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $8 | $207 | 0.20% |
| VIRGINIA W LAVENDER | 1915 BARNES RD. CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $16 | $192 | 0.18% |
| STEVEN WELTON GREGORY | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $46 | $183 | 0.18% |
| DEIRDRE B HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $13 | $82 | 0.08% |
| MELISSA WALKER | 121 MOTLEY RD COLUMBUS, MS 39701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.06% |
| KIMBERLY DAWN ROBINSON | 530 MCCORD ST WEST POINT, MS 39773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.06% |
| APRIL MECHATTO | 5107 OBRYAN AVE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $4 | $37 | 0.04% |
| KIMBERLY FERGUSON | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $7 | $18 | 0.02% |
| BENEFIT CONSULTANTS INC Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.01% |
| DAVID STEPHENS | 2240 MILITARY RD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ALLEN HARDY | P.O BOX 89 PHILADELPHIA, MS 38350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MS, INC | 474 | $1.8M |
| Dental | GUARDIAN | 258 | $192K |
| Vision | GUARDIAN | 258 | $192K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 258 | $296K |
| Short-term disability | GUARDIAN | 258 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.