| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $11K | $24K | 15.37% |
| JOHN T STARLING3 | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $6K | $16K | 22.02% |
| JOHN T STARLING3 | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.53% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $12K | 21.48% |
| JOHN T STARLING3 | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $763 | $0 | $763 | 1.41% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $88 | $3K | 5.72% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $1K | $2K | 3.59% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $695 | $2K | 3.34% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIRCLE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.10% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $307 | $719 | 1.39% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $288 | $545 | 1.05% |
| WESLEY MILLER3 | 1101 GREENBRIAR STREET JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $294 | $472 | 0.91% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CA 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $178 | $460 | 0.89% |
| GREGORY PRICE STARNES3 | 205 OLD CREEK COVE MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $148 | $329 | 0.64% |
| CONSTANCE R WALKER3 | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $42 | $223 | 0.43% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $16 | $178 | 0.34% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 260 TIMBERLANE ROAD TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $16 | $167 | 0.32% |
| ANNA K STEWART3 Filed as: ANNA WEEMS BARNES | 405 PINE RIDGE DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $46 | $142 | 0.27% |
| CATHERINE BROCK3 | 1026 MINERVA ROAD KILMICHAEL, MS 39747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.14% |
| MICHELLE CHANEY3 | 1034 ROAD 4302 LITTLE ROCK, MS 39337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.07% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW ROAD MONITCELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $17 | $24 | 0.05% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PLACE TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $10 | $17 | 0.03% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| SARAH WINTORY3 | 15836 JUNIPER STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DAVID STEPHENS3 | 2240 MILITARY ROAD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| ADKINS BENEFITS SOLUTIONS INC3 Filed as: ADKINS BENEFIT SOLUTIONS INC | 6739 KING ROAD MERIDIAN, MS 39305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SHADY GROVE ROAD S MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| SCOTT D SWIMMER3 Filed as: SCOTT WARREN WINTORY | 15836 JUNIPER STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 19.60% |
| JOHN T STARLING3 | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $533 | $0 | $533 | 1.70% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTEL ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 21.77% |
| JOHN T STARLING3 | 613 CRESENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $270 | $0 | $270 | 1.47% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $153K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $71K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 386 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.