| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 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 | $16K | — | $16K | 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 | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $12K | 9.66% |
| SECURITY INSURANCE AGENCY INC3 | PO BOX 89 PHILADELPHIA, MS 38350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.56% |
| SEHC BENEFITS LLC3 | 242 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.02% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.29% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $375 | $3K | 2.23% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 Filed as: HOLLINGSWORTH BENEFITS SOLUTION | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $447 | $2K | 1.24% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD COURT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $97 | $2K | 1.20% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DRIVE JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $873 | $376 | $1K | 0.97% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $60 | $824 | 0.64% |
| LARRY WELCH3 | 5004 HAWTHORNE PLACE CHELSEA, AL 35043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $92 | $669 | 0.52% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DRIVE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | $20 | $589 | 0.46% |
| WILLIAM T MILLER3 | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $147 | $555 | 0.43% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $115 | $514 | 0.40% |
| TARKENTON T DILLARD3 | 6406 EAST PATRICK COURT MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | $23 | $485 | 0.38% |
| DON M BROOKS3 | PO BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $21 | $460 | 0.36% |
| THOMAS E GRAHAM3 | PO BOX 501 OCEAN SPRINGS, MS 39566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | — | $455 | 0.35% |
| ASHLEY S WALDRUP3 Filed as: ASHLEY SCOTT | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $172 | $445 | 0.35% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $221 | $385 | 0.30% |
| CAROLYN MILLER3 | 2897 BOHICKET ROAD JOHNS ISLAND, SC 29455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $43 | $343 | 0.27% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $29 | $327 | 0.25% |
| VALERIE VOYLES3 | 710 CHESTER AVENUE TUPELO, MS 38804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $7 | $257 | 0.20% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | $21 | $238 | 0.18% |
| PAUL STANLEY JR3 | 880 JOHNNY DODD BOULEVARD MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $104 | $212 | 0.16% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $112 | $175 | 0.14% |
| JENNIFER GRIGGS3 Filed as: JENNIFER HUNTER | 101 JULIE LANE BRINKLEY, AR 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $20 | $125 | 0.10% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $8 | $112 | 0.09% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $42 | $100 | 0.08% |
| JT BENEFITS LLC3 | 123 HILLTOP BUSINESS CENTER DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $33 | $91 | 0.07% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $51 | $87 | 0.07% |
| KATIE MULLINS WALDROP3 Filed as: KATIE ABIGAIL MULLINS | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $84 | $86 | 0.07% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DRIVE TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $34 | $86 | 0.07% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.06% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT ROAD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.05% |
| STACIA ROBINSON3 | 6008 EAST SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $1 | $67 | 0.05% |
| KIMBERLY DAY BERRY3 | 3237 HIGHWAY 80 BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.05% |
| SHARON SIMPSON MCCLENDON3 | 4207 TURKEY CREEK ROAD PLANT CITY, FL 33567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.03% |
| EMILY MEGUMI ERVIN3 | 1012 HIGHWAY 43 NORTH PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| APRIL MECHATTO3 | 123 BAYOU CIRCLE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $2 | $28 | 0.02% |
| MARYLINE Z ORELLANA3 | 2949 CLIPPER COVE LANE KISSIMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| JACQUELINE BARTHELEMY3 Filed as: JACQUELINE MARIE STUEMKY | 10208 MIDDLE DARLEEN LEANDER, TX 78641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| DEIDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.01% |
| WALTER LUCAS JR3 Filed as: WALTER LUCAS | 5365 RED FOX ROAD JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| PENELOPE DEAN KENNY3 | 3555 SOUTH OCEAN BOULEVARD APARTMENT 215 SOUTH PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| ROBERT W ALLEN3 | 39 SUNCREST DRIVE CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.01% |
| ANGELA DUKE3 | 1431 FARRIOR ROAD LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVILLE DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRIAL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| EDGHILL ENTERPRISES LLC3 | 3403 EAST SEEBLING MILE ROAD GRAND ISLAND, NE 68801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MARIA VERONICA JARQUE3 | 4085 NOBEL DRIVE #29 SAN DIEGO, CA 92122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JASON COULTER3 | 4505 SILVER LAKE DRIVE PHENIX CITY, AL 36867 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| JORDANO GROUP INC3 | 12751 ORANGE BOULEVARD WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAMES M EANES3 | 1700 EAST JACKSON STREET PENSACOLA, FL 32501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| ETCHESON INC3 | 3264 PLEASANT LANE DERIDDER, LA 70634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| BARBARA ESTES3 | 2404 33RD STREET VALLEY, AL 36854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DAVID L FLEURY3 | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT SOLUTIONS DURROUGH CONSULTI3 | PO BOX 743 PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GERALD A SANFTNER3 | 3306 KIRKWOOD DRIVE RAPID CITY, SD 57702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VENESSA N DEAN3 | 92 LIMEWOOD AVENUE BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 13.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $179 | $1K | 9.31% |
| SECURITY INSURANCE AGENCY INC3 | PO BOX 89 PHILADELPHIA, MS 38350 | COLONIAL LIFE & ACCIDENT COMPANY | $808 | — | $808 | 5.39% |
| SEHC BENEFITS LLC3 | 242 SAWBRIDGE DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT COMPANY | $383 | $137 | $520 | 3.47% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT COMPANY | $212 | $193 | $405 | 2.70% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD COURT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT COMPANY | $330 | $23 | $353 | 2.35% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT COMPANY | $280 | $45 | $325 | 2.17% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT COMPANY | $221 | $67 | $288 | 1.92% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT COMPANY | $147 | $47 | $194 | 1.29% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DRIVE JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT COMPANY | $71 | $26 | $97 | 0.65% |
| DON M BROOKS3 | PO BOX 2112 OXORD, MS 38655 | COLONIAL LIFE & ACCIDENT COMPANY | $78 | $4 | $82 | 0.55% |
| THOMAS E GRAHAM3 | PO BOX 501 OCEAN SPRINGS, MS 39566 | COLONIAL LIFE & ACCIDENT COMPANY | $70 | — | $70 | 0.47% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DRIVE BILOXI, MI 39532 | COLONIAL LIFE & ACCIDENT COMPANY | $48 | $1 | $49 | 0.33% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT COMPANY | $27 | $3 | $30 | 0.20% |
| KELLIE WELLS3 | 9600 COLUMBUS AVENUE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT COMPANY | $16 | $8 | $24 | 0.16% |
| ASHLEY S WALDRUP3 Filed as: ASHLEY SCOTT | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT COMPANY | $14 | $6 | $20 | 0.13% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT COMPANY | $8 | $7 | $15 | 0.10% |
| TIMOTHY R KLATT3 | 23836-H W CYPRESS WAY ORANGE BEACH, AL 36531 | COLONIAL LIFE & ACCIDENT COMPANY | $2 | $10 | $12 | 0.08% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DRIVE TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT COMPANY | $6 | $4 | $10 | 0.07% |
| TARKENTON T DILLARD3 | 6406 EAST PATRICK COURT MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT COMPANY | $8 | — | $8 | 0.05% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT COMPANY | $5 | — | $5 | 0.03% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT COMPANY | $5 | — | $5 | 0.03% |
| EMILY MEGUMI ERVIN3 | 1012 HIGHWAY 43 NORTH PELAHATCHIE, MS 39145 | COLONIAL LIFE & ACCIDENT COMPANY | $3 | — | $3 | 0.02% |
| APRIL MECHATTO3 | 123 BAYOU CIRCLE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT COMPANY | $3 | — | $3 | 0.02% |
| WALTER LUCAS JR3 Filed as: WALTER LUCAS | 5365 RED FOX ROAD JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT COMPANY | $2 | — | $2 | 0.01% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | $1 | $2 | 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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 214 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $364K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $364K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $364K |
| Stop-loss / reinsurancereinsurance | IRONSHORE REINSURANCE | 228 | $158K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.