| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORNE WEALTH ADVISORS3 Filed as: HORNE WEALTH ADVISORS LLC | STE 400 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.85% |
| RUSSELL W VANDERSTEEG3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.15% |
| STRATEGIC FINANCIAL PARTNERS3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $582 | $582 | 0.22% |
| WALLACE B SANDERS JR3 Filed as: WALLACE BRISTER SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $2K | $0 | $2K | 3.95% |
| ADAM I SANDERS3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $2K | $169 | $2K | 3.18% |
| BARBARA CAMPBELL MCCORD3 | 26620 WILSON CEMETARY RD VANCLEAVE, MS 39565 | AFLAC | $1K | — | $1K | 1.70% |
| E INGRAM INC3 | 455 PEBBLE CREEK DRIVE SUITE D MADISON, MS 39110 | AFLAC | $632 | $66 | $698 | 1.17% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $459 | — | $459 | 0.77% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $312 | $66 | $378 | 0.63% |
| WALLACE B SANDERS JR3 Filed as: WALLACE BRISTER SANDERS | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $206 | $169 | $375 | 0.63% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DR, STE C MADISON, MS 39211 | AFLAC | $254 | $65 | $319 | 0.54% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 309 NEWPOINTE DR SUITE B RIDGELAND, MS 39157 | AFLAC | $240 | — | $240 | 0.40% |
| BILLY J DOUGLASS3 | 1360 KARCHER RD SOMERVILLE, TN 38068 | AFLAC | $216 | — | $216 | 0.36% |
| D P SMITH3 Filed as: DP SMITH | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $209 | — | $209 | 0.35% |
| WILLIAM D SIKES3 | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $197 | $0 | $197 | 0.33% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $118 | — | $118 | 0.20% |
| MEADE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $118 | — | $118 | 0.20% |
| DEBORAH A BROADWAY3 | 159 HUCKLEBERRY FARM LANE PELAHATCHIE, MS 39145 | AFLAC | $107 | — | $107 | 0.18% |
| EMILY INGRAM3 | 455 PEBBLE CREEK DRIVE SUITE D MADISON, MS 39110 | AFLAC | $92 | $2 | $94 | 0.16% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $91 | — | $91 | 0.15% |
| ROBERT J LOVERN3 | 10160 ST FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $78 | — | $78 | 0.13% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $69 | — | $69 | 0.12% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $68 | — | $68 | 0.11% |
| BILLY J DOUGLASS3 | P O BOX 97 SOMERVILLE, TN 38068 | AFLAC | $59 | — | $59 | 0.10% |
| WALTER GRAVETTE III3 | 5771 RAYBEN CR MEMPHIS, TN 38115 | AFLAC | $44 | — | $44 | 0.07% |
| AON CONSULTING INC3 Filed as: CLAUDE H HEWITT | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $42 | — | $42 | 0.07% |
| J DAVID BUTLER3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $36 | $2 | $38 | 0.06% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $33 | — | $33 | 0.06% |
| BETTY B JOULLIAN3 | 12 CHATHAM PLACE CLINTON, MS 39056 | AFLAC | $31 | — | $31 | 0.05% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 322 SPRING HILL DR STE A800 SPRING, TX 77386 | AFLAC | $31 | — | $31 | 0.05% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $25 | — | $25 | 0.04% |
| RITA JONES INC3 | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $20 | — | $20 | 0.03% |
| DONALD L FLOOD3 | 5040 MEADOW OAKS PARK DR JACKSON, MS 39211 | AFLAC | $19 | — | $19 | 0.03% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $16 | — | $16 | 0.03% |
| REBECCA R STANLEY3 | 793 MILNER CT LOVELAND, CO 80537 | AFLAC | $16 | — | $16 | 0.03% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $15 | — | $15 | 0.03% |
| ROBERT L GOBLE3 | 6008 NC HWY 16S TAYLORSVILLE, NC 28681 | AFLAC | $14 | — | $14 | 0.02% |
| MATTHEW SHANE STRONG3 | 4437 SOUNDSIDE DR GULF BREEZE, FL 32563 | AFLAC | $14 | — | $14 | 0.02% |
| LYNN C WENTWORTH3 | 137 EXECUTIVE DR SUITE E MADISON, MS 39110 | AFLAC | $13 | — | $13 | 0.02% |
| PAMELA A WHEAT3 | 8023 CREEKWOOD CIR W SOUTHAVEN, MS 38671 | AFLAC | $11 | — | $11 | 0.02% |
| ROBERT L GOBLE3 | 6087 CITY WALK LN SANDY SPRINGS, GA 30328 | AFLAC | $10 | — | $10 | 0.02% |
| ANNE E SWANSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.01% |
| HOWARD EATON3 | 429 SPRUCE GLEN DR CORDOVA, TN 38018 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL L HENDERSON3 | PO BOX 1039 CLINTON, AR 72031 | AFLAC | $4 | — | $4 | 0.01% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH BRADLEY ELDRED3 | P O BOX 878 HERNANDO, MS 38632 | AFLAC | $3 | — | $3 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $421 | $4K | 7.09% |
| HORNE WEALTH ADVISORS3 Filed as: HORNE WEALTH ADVISORS LLC | STE 400 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.25% |
| RUSSELL W VANDERSTEEG3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.75% |
| STRATEGIC FINANCIAL PARTNERS3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $116 | $116 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX-EVERETT, INC. | P O BOX 6650 METAIRIE, LA 700096650 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 7.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P O BOX 6650 METAIRIE, LA 700096650 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 3.91% |
| JEHU G BRABHAM3 | 300 CONCOURSE BLVD, STE 300 RIDGELAND, MS 39157 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 18.00% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 74 | $60K |
| Vision | NATIONAL GUARDIAN LIFE | 343 | $36K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 504 | $383K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 74 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 504 | $270K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 504 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.