| 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 | $13K | — | $13K | 4.11% |
| RUSSELL W VANDERSTEEG3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.89% |
| STRATEGIC FINANCIAL PARTNERS3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $262 | $262 | 0.09% |
| WALLACE B SANDERS JR3 Filed as: WALLACE BRISTER SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $3K | $68 | $3K | 4.98% |
| ADAM I SANDERS3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $2K | $97 | $2K | 3.20% |
| BARBARA CAMPBELL MCCORD3 | 26620 WILSON CEMETARY RD VANCLEAVE, MS 39565 | AFLAC | $1K | — | $1K | 1.57% |
| E INGRAM INC3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $744 | $33 | $777 | 1.22% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $690 | $33 | $723 | 1.13% |
| EMILY INGRAM3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $440 | — | $440 | 0.69% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 309 NEWPOINTE DR SUITE B RIDGELAND, MS 39157 | AFLAC | $437 | — | $437 | 0.68% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $300 | — | $300 | 0.47% |
| AON CONSULTING INC3 Filed as: CLAUDE H HEWITT | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $294 | — | $294 | 0.46% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DR, STE C JACKSON, MS 39211 | AFLAC | $267 | — | $267 | 0.42% |
| BILLY J DOUGLASS3 | 1360 KARCHER RD SOMERVILLE, TN 38068 | AFLAC | $234 | — | $234 | 0.37% |
| WILLIAM D SIKES3 | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $181 | — | $181 | 0.28% |
| DEBORAH A BROADWAY3 | 159 HUCKLEBERRY FARM LANE PELAHATCHIE, MS 39145 | AFLAC | $118 | — | $118 | 0.18% |
| D P SMITH3 | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $107 | — | $107 | 0.17% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $100 | — | $100 | 0.16% |
| ROBERT J LOVERN3 | 10160 ST FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $82 | — | $82 | 0.13% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $64 | — | $64 | 0.10% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $64 | — | $64 | 0.10% |
| WALTER GRAVETTE III3 | 5771 RAYBEN CR MEMPHIS, TN 38115 | AFLAC | $48 | — | $48 | 0.08% |
| EMILY INGRAM3 | 455 PEBBLE CREEK DRIVE SUITE D MADISON, MS 39110 | AFLAC | $44 | — | $44 | 0.07% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $36 | — | $36 | 0.06% |
| J DAVID BUTLER3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $35 | — | $35 | 0.05% |
| BETTY B JOULLIAN3 | 12 CHATHAM PLACE CLINTON, MS 39056 | AFLAC | $34 | — | $34 | 0.05% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $14 | $14 | $28 | 0.04% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $27 | — | $27 | 0.04% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $23 | — | $23 | 0.04% |
| MEADE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $8 | $14 | $22 | 0.03% |
| RITA JONES INC3 | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $22 | — | $22 | 0.03% |
| DONALD L FLOOD3 | 5040 MEADOW OAKS PARK DR JACKSON, MS 39211 | AFLAC | $21 | — | $21 | 0.03% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $18 | — | $18 | 0.03% |
| REBECCA R STANLEY3 | 793 MILNER CT LOVELAND, CO 80537 | AFLAC | $17 | — | $17 | 0.03% |
| MATTHEW SHANE STRONG3 | 4437 SOUNDSIDE DR GULF BREEZE, FL 32563 | AFLAC | $15 | — | $15 | 0.02% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $15 | — | $15 | 0.02% |
| LYNN C WENTWORTH3 | 137 EXECUTIVE DR SUITE E MADISON, MS 39110 | AFLAC | $14 | — | $14 | 0.02% |
| PAMELA A WHEAT3 | 8023 CREEKWOOD CIR W SOUTHAVEN, MS 38671 | AFLAC | $10 | — | $10 | 0.02% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 7416 ROLLING HILLS DR BENBROOK, TX 76126 | AFLAC | $5 | $5 | $10 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $9 | — | $9 | 0.01% |
| ANNE E SWANSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.01% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRL CONROE, TX 76126 | AFLAC | $6 | $0 | $6 | 0.01% |
| PETER B WILKINSON JR3 | 6202 IOLA AVE STE 115 LUBBOCK, TX 79424 | AFLAC | $6 | — | $6 | 0.01% |
| HOWARD EATON3 | 1377 CARMONY ST COLLIERVILLE, TN 38017 | AFLAC | $5 | — | $5 | 0.01% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $3 | — | $3 | 0.00% |
| VICKI M BUTLER3 Filed as: VICKI M BULTER | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.00% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.00% |
| HOWARD EATON3 | 429 SPRUCE GLEN DR CORDOVA, TN 38018 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.00% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $899 | $899 | 1.50% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $600 | — | $600 | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.00% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $895 | $895 | 1.50% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $596 | — | $596 | 1.00% |
| 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 | $3K | $556 | $3K | 5.93% |
| HORNE WEALTH ADVISORS3 Filed as: HORNE WEALTH ADVISORS LLC | 1020 HIGHLAND COLONY PKWY STE 400 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $360 | — | $360 | 0.63% |
| HORNE WEALTH ADVISORS3 Filed as: HORNE WEALTH ADVISORS LLC | STE 400 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.77% |
| RUSSELL W VANDERSTEEG3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.23% |
| STRATEGIC FINANCIAL PARTNERS3 | STE 200 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $42 | $42 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P O BOX 6650 METAIRIE, LA 700096650 | NATIONAL GUARDIAN LIFE | $6K | — | $6K | 12.00% |
| JEHU G BRABHAM3 | 300 CONCOURSE BLVD, STE 300 RIDGELAND, MS 39157 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 18.00% |
| COASTAL STATES INSURANCE CORP3 | P O BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 4.40% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P O BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $890 | — | $890 | 3.60% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $340 | $340 | 1.50% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $226 | — | $226 | 1.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $318 | $318 | 1.50% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $212 | — | $212 | 1.00% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 69 | $64K |
| Vision | NATIONAL GUARDIAN LIFE | 408 | $50K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 981 | $480K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 69 | $144K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 494 | $365K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 981 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.