| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $137K | — | $137K | 15.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS INC | PO BOX 1490 JACKSON, MS 39215 | PRINCIPAL LIFE INSURANCE COMPANY | $47K | — | $47K | 9.91% |
| GHS BENEFIT SOLUTIONS LLC3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | PRINCIPAL LIFE INSURANCE COMPANY | — | $966 | $966 | 0.20% |
| 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 | $29K | $10K | $39K | 20.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.51% |
| 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 | $23K | $8K | $31K | 20.02% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.51% |
| 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 | $12K | $1K | $14K | 15.74% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP L | 10 CANEBRAKE BOULEVARD SUITE 110-79 FLOWOOD, MS 39232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 8.44% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $787 | $4K | 4.40% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE SUITE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $2K | $3K | 2.89% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.45% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE SUITE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $215 | $2K | 2.26% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LANE RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $445 | $941 | 1.07% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $21 | $255 | 0.29% |
| THOMAS E GRAHAM3 | 5304 SOUTH STREET OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.18% |
| PORTER A BURKE3 | 113 MCGREGOR STREET NORTH WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.08% |
| ANGELA OVERSTREET3 | 113 MCGREGOR STREET NORTH WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| SARA MULLINS3 | PO BOX 735 MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.01% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| PAM ENTERPRISES INC3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 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 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | $12K | $4K | $15K | 20.07% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.54% |
| 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 | $9K | $3K | $12K | 20.14% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.57% |
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 | 792 | 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) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 797 | $473K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 797 | $473K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 623 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $196K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 436 | $156K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 767 | $909K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 623 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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."
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.