| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | — | $92K | 8.14% |
| TIMOTHY JACKSON3 | 857 DOWNTOWNER BLVD STE J MOBILE, AL 366095420 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 12.99% |
| TIMOTHY JACKSON3 | 857 DOWNTOWNER BLVDJ MOBILE, AL 36609 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 6.50% |
| TIMOTHY T. JACKSON3 Filed as: TIMOTHY T JACKSON | 857 DOWNTOWNER BLVD MOBILE, AL 36609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.32% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | — | $374 | 2.41% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $18 | $344 | 2.22% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 301 CO ROAD 280 CULLMAN, AL 35057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 1.31% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $8 | $133 | 0.86% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $38 | $96 | 0.62% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $2 | $76 | 0.49% |
| GLENN REEVES3 | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.30% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES INC | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.14% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.03% |
| KEN D CUPIT3 | PO BOX 138 LIBERTY, MS 39645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SUSAN J GOODSPEED3 | 2866 BROOKSIDE DR MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 114 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $1.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 142 | $46K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $78K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $78K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $78K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $78K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.