| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: FISHER BROWN BOTTRELL, A MARSH & MC | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $148K | — | $148K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | PO BOX 1490 JACKSON, MS 39215 | PRINCIPAL LIFE INSURANCE COMPANY | $44K | — | $44K | 9.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 EAST CAPITOL STREET SUITE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $14K | $47K | 21.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 EAST CAPITOL STREET SUITE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $38K | 21.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $223 | $18K | 14.13% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 500 AVALON WAY BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 9.00% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 4.48% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE SUITE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $3K | $4K | 2.78% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.41% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE SUITE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $312 | $3K | 2.34% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LANE RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $763 | $267 | $1K | 0.79% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $43 | $381 | 0.29% |
| THOMAS E GRAHAM3 | 5304 SOUTH STREET OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.11% |
| ANGELA OVERSTREET3 | 699 HAYLOFT WAY BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.06% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| KATE MULLINS WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| PAM ENTERPRISES INC3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DRIVE JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| EMILY MEGUMI ERVIN3 | 4935 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 EAST CAPITOL STREET SUITE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 20.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 EAST CAPITOL STREET SUITE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 21.68% |
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 | 622 | 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) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 597 | $447K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 597 | $447K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $157K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $222K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 367 | $179K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 586 | $988K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 481 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
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.