| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS G MONTGOMERY3 | — | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | $32K | — | $32K | 5.64% |
| LAUREN S GREENE3 | 436D COUNTY ROAD 57 DENNIS, MS 38838 | AFLAC | $9K | — | $9K | 9.20% |
| GINGER KAYE HARDY3 | PO BOX 2532 TUPELO, MS 38803 | AFLAC | $2K | — | $2K | 1.97% |
| JENNIE B CRAIG3 | 4125 WHITE SPRINGS ROAD FULTON, MS 38843 | AFLAC | $2K | — | $2K | 1.93% |
| LESLIE ANNE CARPENTER3 | 505 CARDSVILLE CHURCH ROAD NETTLETON, MS 38858 | AFLAC | $1K | — | $1K | 1.03% |
| JOSEPH ARTHUR STENNETT3 | PO BOX 1444 BOONEVILLE, MS 38829 | AFLAC | $670 | — | $670 | 0.65% |
| LAURA SOLOMON3 | 161 ROAD 632 PLANTERSVILLE, MS 38862 | AFLAC | $179 | — | $179 | 0.17% |
| ANNA THOMPSON3 | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $150 | — | $150 | 0.15% |
| JOSHUA L CLINE3 | 148 HUNTER TRAIL FLORENCE, MS 39073 | AFLAC | $55 | — | $55 | 0.05% |
| GRETA L STOCKTON3 | 557 CROWN DRIVE FULTON, MS 38843 | AFLAC | $51 | — | $51 | 0.05% |
| BENNY W STENNETT3 | 5 COUNTY ROAD 230 CORINTH, MS 38834 | AFLAC | $43 | — | $43 | 0.04% |
| MEGAN HOPE BOOTHE3 | 270 COUNTY ROAD 356 IUKA, MS 38852 | AFLAC | $25 | — | $25 | 0.02% |
| JOHN D KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $16 | — | $16 | 0.02% |
| GREGORY J WEEKS3 | 730 AVIGNON DRIVE SUITE 101 RIDGELAND, MS 39157 | AFLAC | $9 | — | $9 | 0.01% |
| EMILY L PHIFER3 | 1191 HIGHWAY 364 TISHOMINGO, MS 38873 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTY W FISHER3 | 75 COUNTY ROAD 7461 BALDWYN, MS 38824 | AFLAC | $7 | — | $7 | 0.01% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $5 | — | $5 | 0.00% |
| AMANDA B TUTOR3 | 1009 COUNTY ROAD 821 SALTILLO, MS 38886 | AFLAC | $3 | — | $3 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $2 | — | $2 | 0.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS | 301 SOUTH 40TH AVENUE SUITE 4 HATTIESBURG, MS 39402 | GULF GUARANTY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.01% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 15.09% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | 123 | $664K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $98K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $98K |
| Other(2 contracts, 2 carriers) | AFLAC | 116 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.