| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX/EVERETT A DIVISION OF HUB INTL | 300 CONCOURSE BLVD, SUITE 300 RIDGELAND, MS 39157 | IRONSHORE REINSURANCE | $15K | — | $15K | 10.15% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY | P O BOX 1490 JACKSON, MS 39215 | IRONSHORE REINSURANCE | $8K | — | $8K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | SUN LIFE ASSURANCE OF CANADA | $11K | — | $11K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX-EVERETT, INC | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $381 | — | $381 | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $50 | — | $50 | 0.12% |
| THE BOTTRELL INSURANCE AGENCY3 Filed as: BOTTRELL INSURANCE AGENCY | P O BOX 1490 JACKSON, MS 392151490 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.34% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 414 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $255K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $23K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 170 | $76K |
| Stop-loss / reinsurancereinsurance | IRONSHORE REINSURANCE | 272 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.