| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 9100 KEYSTONE CROSSING SUITE 550 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 11.88% |
| ARTHUR YOUNG LATHAM3 | 605 TUCKER XING BRANDON, MS 39042 | AFLAC | $611 | — | $611 | 12.75% |
| KELLIE ANGLIN ZIMMERMAN3 | 1115 BENBROOK DR MADISON, MS 39110 | AFLAC | $88 | $66 | $154 | 3.21% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $111 | — | $111 | 2.32% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $49 | — | $49 | 1.02% |
| KRISTY L CRONIN3 | 109 PINEHAVEN CV CLINTON, MS 39056 | AFLAC | $47 | — | $47 | 0.98% |
| WILLIAM D SIKES3 | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $16 | — | $16 | 0.33% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $15 | — | $15 | 0.31% |
| LISA PRATER3 | 1324 ADKINS BLVD JACKSON, MS 39211 | AFLAC | $10 | — | $10 | 0.21% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $10 | — | $10 | 0.21% |
| JEREMIAH TROY TALTON3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $8 | — | $8 | 0.17% |
| BARBARA CAMPBELL MCCORD3 | P O BOX 25 SANDHILL, MS 39161 | AFLAC | $6 | — | $6 | 0.13% |
| JAMES H KING3 Filed as: JAMES KEITH HEFLIN | 1852 AUGUST BND MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.08% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.08% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $3 | — | $3 | 0.06% |
| ROBERT EDWARD HARDWICK3 | 120 LAKEWOOD DR CROSSVILLE, TN 38558 | AFLAC | $3 | — | $3 | 0.06% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $3 | — | $3 | 0.06% |
| RENESHIA S HOBSON3 Filed as: RENESHIA HOBSON | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.04% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 10396 SW 65TH TER OCALA, FL 34476 | AFLAC | $1 | — | $1 | 0.02% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.02% |
| WILLIAM SNOW3 | 3465 SYCAMORE LN GULF BREEZE, FL 32563 | AFLAC | $1 | — | $1 | 0.02% |
| VICKI M BUTLER3 Filed as: VICKI BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1 | — | $1 | 0.02% |
| ARTHUR YOUNG LATHAM3 | 605 TUCKER XING BRANDON, MS 39042 | AFLAC | $274 | — | $274 | 10.46% |
| KELLIE ANGLIN ZIMMERMAN3 | 1115 BENBROOK DR MADISON, MS 39110 | AFLAC | $37 | $66 | $103 | 3.93% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $50 | — | $50 | 1.91% |
| KRISTY L CRONIN3 Filed as: KRISTY CRONIN | 109 PINEHAVEN CV CLINTON, MS 39056 | AFLAC | $24 | — | $24 | 0.92% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $21 | — | $21 | 0.80% |
| WILLIAM D SIKES3 Filed as: WILLIAM SIKES | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $15 | — | $15 | 0.57% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.31% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $6 | — | $6 | 0.23% |
| J LEE & ASSOCIATES INC3 | 120 GREENVIEW PL STE 3 RICHLAND, MS 39218 | AFLAC | $5 | — | $5 | 0.19% |
| BARBARA CAMPBELL MCCORD3 | P O BOX 25 SANDHILL, MS 39161 | AFLAC | $5 | — | $5 | 0.19% |
| JEREMIAH TROY TALTON3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $5 | — | $5 | 0.19% |
| JAMES H KING3 Filed as: JAMES HEFLIN | 1852 AUGUST BND MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.15% |
| LISA PRATER3 | 1324 ADKINS BLVD JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.15% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $2 | — | $2 | 0.08% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $2 | — | $2 | 0.08% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $2 | — | $2 | 0.08% |
| PRISCILLA L COLEMAN3 Filed as: PRISCILLA COLEMAN | 1127B QUINN STREET JACKSON, MS 39202 | AFLAC | $2 | — | $2 | 0.08% |
| MINDY G SPURR3 Filed as: MINDY SPURR | 408 OAK BND BRANDON, MS 39047 | AFLAC | $2 | — | $2 | 0.08% |
| RENESHIA S HOBSON3 Filed as: RENESHIA HOBSON | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.08% |
| CHADWICK EUBORN STUART3 | 258 SAINT PAUL ST PEARL, MS 39208 | AFLAC | $1 | — | $1 | 0.04% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.04% |
| D P SMITH3 | P O BOX 16671 JACKSON, MS 39236 | AFLAC | $1 | — | $1 | 0.04% |
| ANITA ATKINSON3 | P O BOX 738 BRANDON, MS 39043 | AFLAC | $1 | — | $1 | 0.04% |
| JOHN KEYS3 | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.04% |
| ARTHUR YOUNG LATHAM3 | 605 TUCKER XING BRANDON, MS 39042 | AFLAC | $50 | — | $50 | 7.61% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $11 | — | $11 | 1.67% |
| KELLIE ANGLIN ZIMMERMAN3 | 1115 BENBROOK DR MADISON, MS 39110 | AFLAC | $8 | — | $8 | 1.22% |
| BARBARA CAMPBELL MCCORD3 Filed as: BARBARA MCCORD | P O BOX 25 SANDHILL, MS 39161 | AFLAC | $8 | — | $8 | 1.22% |
| KRISTY L CRONIN3 Filed as: KRISTY CRONIN | 109 PINEHAVEN CV CLINTON, MS 39056 | AFLAC | $7 | — | $7 | 1.07% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $5 | — | $5 | 0.76% |
| WILLIAM D SIKES3 Filed as: WILLIAM SIKES | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $4 | — | $4 | 0.61% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.46% |
| NEIL M MORGAN JR3 Filed as: NEIL MORGAN JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.30% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.15% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $1 | — | $1 | 0.15% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $1 | — | $1 | 0.15% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.15% |
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.39% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR. JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.04% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.04% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.35% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 398 | $334K |
| Vision(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 398 | $342K |
| Life insurance(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 398 | $342K |
| Short-term disability(3 contracts) | AFLAC | 100 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 398 | $334K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 398 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.