| 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 | $52K | — | $52K | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P.O BOX 1490 JACKSON, MS 39215 | GUARDIAN | $20K | $2K | $22K | 9.16% |
| 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 | $2K | $431 | $2K | 4.09% |
| JAUDON AND ASSOCIATES, LLC | P.O BOX 1393 STARKVILLE, MS 39760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.84% |
| ROBBINS RESEARCH AND PLANNING INC | 731 AVGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $419 | $1K | 2.07% |
| ASHLEY S WALDRUP Filed as: ASHLEY SCOTT | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $672 | $301 | $973 | 1.96% |
| HOLLINGSWORTH BENEFITS SOLUTIONS | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $157 | $535 | 1.08% |
| COWLEY INSURANCE SERVICES INC | 1781 SUMMERLAKE DR. TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | $64 | $445 | 0.90% |
| SEHC BENEFITS LLC | 242 SAWBRIDGE DR. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $0 | $445 | 0.90% |
| REBECCA LYNN SMITH | 103 GRANFIELD COURT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $59 | $367 | 0.74% |
| EMILY MEGUMI ERVIN | 1012 HWY 43 N PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $1 | $323 | 0.65% |
| DON M BROOKS | P.O BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $36 | $317 | 0.64% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES MICHAEL EMIDY | P.O BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $0 | $279 | 0.56% |
| THOMAS A TURNER IV INSURANCE LLC | 909 BAY RIDGE DR. JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.47% |
| JOHN RENE WALDRUP | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $4 | $222 | 0.45% |
| JASON RYAN SHEFFIELD | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $4 | $140 | 0.28% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.22% |
| H WILSON SLEDGE | 705 10TH AVE CLEVELAND, MS 38732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $3 | $79 | 0.16% |
| LAUREN SWAIN | 123 GARRISON WAY FLOWOOD, MS 39232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $1 | $69 | 0.14% |
| LISA S LEE | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $3 | $66 | 0.13% |
| STEVEN WELTON GREGORY | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.11% |
| VIRGINIA W LAVENDER | 1915 BARNES RD. CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.07% |
| DEIRDRE B HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $6 | $33 | 0.07% |
| MELISSA WALKER | 121 MOTLEY RD COLUMBUS, MS 39701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.06% |
| KIMBERLY DAWN ROBINSON | 530 MCCORD ST WEST POINT, MS 39773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| KIMBERLY FERGUSON | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| APRIL MECHATTO | 5107 OBRYAN AVE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| DAVID STEPHENS | 2240 MILITARY RD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BENEFIT CONSULTANTS INC Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | GUARDIAN | $19K | $9K | $28K | — |
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 | 520 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 520 | $1.8M |
| Dental(2 contracts) | GUARDIAN | 348 | $240K |
| Vision(2 contracts) | GUARDIAN | 348 | $240K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 348 | $289K |
| Short-term disability(2 contracts) | GUARDIAN | 348 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.