| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MP 37008 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $22K | $24K | 4.23% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 37008 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 1.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1020 HIGHLAND COLONY PARKWAY #302 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.13% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PARKWAY #302 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $897 | $331 | $1K | 5.57% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | $486 | $936 | 4.25% |
| CONSTANCE R WALKER3 | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | $105 | $603 | 2.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | $12 | $562 | 2.55% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $63 | $533 | 2.42% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $134 | $453 | 2.05% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $14 | $253 | 1.15% |
| NEIL MCNEILL3 | 229 BRISAGE BLVD MADISON, MP 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 1.01% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 115 GLEN ARBOR CT BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $4 | $101 | 0.46% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $21 | $99 | 0.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MICHAEL EMIDY | PO BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $8 | $98 | 0.44% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $52 | $77 | 0.35% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.05% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DR. TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1020 HIGHLAND COLONY PARKWAY #302 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $929 | — | $929 | 9.28% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PARKWAY #302 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264 | — | $264 | 2.64% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $565K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $47K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $10K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.