| 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 | — | $29K | $29K | 5.29% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 37008 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$9 | -$9 | -0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F #302 GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 #302 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $833 | — | $833 | 1.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F #302 GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 #302 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | — | $193 | 1.57% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 27.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.77% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $127 | $315 | 2.95% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $48 | $293 | 2.75% |
| LISA S LEE3 | 5794 SCR 131 MORTON, AL 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.46% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.23% |
| CONSTANCE R WALKER3 | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MICHAEL EMIDY | PO BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $557K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $51K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $12K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.