| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.57% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $459 | $459 | 0.34% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.57% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $457 | $457 | 0.34% |
| WALLACE B SANDERS JR3 Filed as: WALLACE BRISTER SANDERS JR | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $2K | $133 | $3K | 3.97% |
| ADAM I SANDERS3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $2K | $112 | $2K | 2.68% |
| BARBARA CAMPBELL MCCORD3 | 26620 WILSON CEMETARY RD VANCLEAVE, MS 39565 | AFLAC | $1K | — | $1K | 1.57% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DR, STE C JACKSON, MS 39211 | AFLAC | $973 | — | $973 | 1.51% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $556 | $24 | $580 | 0.90% |
| AON CONSULTING INC3 Filed as: EMILY SPEED | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $477 | — | $477 | 0.74% |
| AON CONSULTING INC3 Filed as: CLAUDE H HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $346 | $37 | $383 | 0.60% |
| THE SANDERS GROUP INC3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $334 | — | $334 | 0.52% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKW VILLAGE DR MADISON, MS 39110 | AFLAC | $279 | $24 | $303 | 0.47% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $277 | — | $277 | 0.43% |
| BILLY J DOUGLASS3 | 1360 KARCHER RD SOMERVILLE, TN 38068 | AFLAC | $252 | — | $252 | 0.39% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $187 | $62 | $249 | 0.39% |
| EMILY INGRAM3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $104 | $37 | $141 | 0.22% |
| WILLIAM D SIKES3 | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $132 | — | $132 | 0.21% |
| DEBORAH A BROADWAY3 | 159 HUCKLEBERRY FARM LANE PELAHATCHIE, MS 39145 | AFLAC | $129 | — | $129 | 0.20% |
| D P SMITH3 | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $122 | — | $122 | 0.19% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $109 | — | $109 | 0.17% |
| ROBERT J LOVERN3 | 10160 ST FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $81 | — | $81 | 0.13% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $69 | — | $69 | 0.11% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $66 | — | $66 | 0.10% |
| WALTER GRAVETTE III3 | 5771 RAYBEN CR MEMPHIS, TN 38115 | AFLAC | $52 | — | $52 | 0.08% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $47 | — | $47 | 0.07% |
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $39 | — | $39 | 0.06% |
| J DAVID BUTLER3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $38 | — | $38 | 0.06% |
| BETTY B JOULLIAN3 | 12 CHATHAM PLACE CLINTON, MS 39056 | AFLAC | $37 | — | $37 | 0.06% |
| PETER B WILKINSON JR3 | 6202 IOLA AVE STE 115 LUBBOCK, TX 79424 | AFLAC | $32 | — | $32 | 0.05% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $29 | — | $29 | 0.05% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $25 | — | $25 | 0.04% |
| RITA JONES INC3 | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $24 | — | $24 | 0.04% |
| DONALD L FLOOD3 | 5040 MEADOW OAKS PARK DR JACKSON, MS 39211 | AFLAC | $23 | — | $23 | 0.04% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $19 | — | $19 | 0.03% |
| REBECCA R STANLEY3 | 793 MILNER CT LOVELAND, CO 80537 | AFLAC | $19 | — | $19 | 0.03% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.02% |
| VICKI M BUTLER3 Filed as: VICKI M BULTER | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $13 | — | $13 | 0.02% |
| LYNN C WENTWORTH3 | 137 EXECUTIVE DR SUITE E MADISON, MS 39110 | AFLAC | $12 | — | $12 | 0.02% |
| MATTHEW SHANE STRONG3 | 5628 SKINNER DR APOLLO BEACH, FL 33572 | AFLAC | $12 | — | $12 | 0.02% |
| PAMELA A WHEAT3 | 8023 CREEKWOOD CIR W SOUTHAVEN, MS 38671 | AFLAC | $11 | — | $11 | 0.02% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $10 | — | $10 | 0.02% |
| ANNE E SWANSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | — | $8 | 0.01% |
| HOWARD EATON3 | 1377 CARMONY ST COLLIERVILLE, TN 38017 | AFLAC | $6 | — | $6 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $6 | — | $6 | 0.01% |
| PAMELA W EZZELL3 | 4066 HIGHLAND RIDGE RD BIRMINGHAM, AL 35242 | AFLAC | $6 | — | $6 | 0.01% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.01% |
| MATTHEW SHANE STRONG3 | 4437 SOUNDSIDE DR GULF BREEZE, FL 32563 | AFLAC | $4 | — | $4 | 0.01% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $4 | — | $4 | 0.01% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $3 | — | $3 | 0.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | P O BOX 1801 AORIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $740 | $5K | 10.56% |
| HORNE WEALTH ADVISORS3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $475 | — | $475 | 1.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $165 | $165 | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P O BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD(GUS) | 3510 N CAUSEWAY BLVD, STE 300 METARIE, LA 70002 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 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 | $1K | — | $1K | 3.60% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 60 | $64K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 319 | $32K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,027 | $198K |
| Short-term disability | AFLAC | 60 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 513 | $134K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,027 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,027 | — |
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.