| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNAIR BALLARD & KIRK HEALTH BROKER3 | PO BOX 12706 JACKSON, MS 39236 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 5.39% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $3K | $51 | $3K | 3.66% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $3K | — | $3K | 3.56% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $2K | $17 | $2K | 1.83% |
| PATRICIA LANE FAUST3 | 403 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $1K | $22 | $1K | 1.21% |
| GARY L THORNTON3 | PO BOX 8173 LAUREL, MS 39441 | AFLAC | $697 | — | $697 | 0.76% |
| MARK BUTLER INC3 | 204 BENACHI AVE BILOXI, MS 39530 | AFLAC | $628 | — | $628 | 0.69% |
| MARY ANN TRICE3 | 70 TRACE RD LAUREL, MS 39443 | AFLAC | $590 | — | $590 | 0.65% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $545 | $17 | $562 | 0.61% |
| JOSEPH E PARKER JR3 | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $417 | — | $417 | 0.46% |
| JASON M FAUST3 | 395 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $135 | — | $135 | 0.15% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $105 | — | $105 | 0.11% |
| TRACY S KENDRICK3 | 70 GLEN CLINTON RD HATTIESBURG, MS 39401 | AFLAC | $99 | — | $99 | 0.11% |
| WILLIAM T ODOM3 | PO BOX 781 RICHTON, MS 39476 | AFLAC | $94 | — | $94 | 0.10% |
| GWENDALYN G MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $81 | — | $81 | 0.09% |
| DOROTHY A SCOTT3 | 2465 HWY 15 S OVETT, MS 39464 | AFLAC | $79 | — | $79 | 0.09% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $77 | — | $77 | 0.08% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $57 | — | $57 | 0.06% |
| JONATHAN FORD JAMES3 | 3311 14TH ST GULFPORT, MS 39501 | AFLAC | $45 | — | $45 | 0.05% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $44 | — | $44 | 0.05% |
| MICHELLE S PRYOR3 | 728 W 13TH ST LAUREL, MS 39440 | AFLAC | $41 | — | $41 | 0.04% |
| LACY JUANITA LOCKHART3 | 1655 PARKWOOD DR LAUREL, MS 39440 | AFLAC | $40 | — | $40 | 0.04% |
| GARY L PRINE3 | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $20 | — | $20 | 0.02% |
| PATRICK A MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $18 | — | $18 | 0.02% |
| TAMMY HOLLINGSWORTH3 Filed as: TAMMY J HOLLINGSWORTH | 1804 3RD AVE S IRONDALE, AL 35210 | AFLAC | $12 | — | $12 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $11 | — | $11 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $10 | — | $10 | 0.01% |
| ROBYN LYNNE MORRIS3 | 123 CASTLEBERRY RD INDIAN SPRINGS, AL 35124 | AFLAC | $6 | — | $6 | 0.01% |
| EDDY H HUTTO3 | 1323 PLEASANT GROVE CHAPPARAL RD WAYNESBORO, MS 39367 | AFLAC | $6 | — | $6 | 0.01% |
| SAIC INC3 | 1639 BRADLET PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $3 | — | $3 | 0.00% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE SVCS OF LAUREL LLC3 | 395 CR 33 HEIDELBERG, MS 39439 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $1K | — | $1K | 5.29% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $422 | — | $422 | 1.79% |
| GARY L THORNTON3 | PO BOX 8173 LAUREL, MS 39441 | AFLAC | $293 | — | $293 | 1.24% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $268 | — | $268 | 1.14% |
| MARY ANN TRICE3 | 70 TRACE RD LAUREL, MS 39443 | AFLAC | $144 | — | $144 | 0.61% |
| MARK BUTLER INC3 | 204 BENACHI AVE BILOXI, MS 39530 | AFLAC | $139 | — | $139 | 0.59% |
| JOSEPH E PARKER JR3 | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $87 | — | $87 | 0.37% |
| GWENDALYN G MCCOOL3 | 51 LAKE RDG LUMBERTON, MP 39455 | AFLAC | $79 | — | $79 | 0.33% |
| PATRICIA LANE FAUST3 | 403 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $74 | — | $74 | 0.31% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $61 | — | $61 | 0.26% |
| MICHELLE S PRYOR3 | 728 W 13TH ST LAUREL, MS 39440 | AFLAC | $31 | — | $31 | 0.13% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $25 | — | $25 | 0.11% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $23 | — | $23 | 0.10% |
| DOROTHY A SCOTT3 | 2465 HWY 15 S OVETT, MS 39464 | AFLAC | $23 | — | $23 | 0.10% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.04% |
| WILLIAM T ODOM3 Filed as: WILLIAM ODOM | PO BOX 781 RICHTON, MS 39476 | AFLAC | $8 | — | $8 | 0.03% |
| TRACY S KENDRICK3 | 70 GLEN CLINTON RD HATTIESBURG, MS 39401 | AFLAC | $8 | — | $8 | 0.03% |
| PATRICK A MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $7 | — | $7 | 0.03% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $7 | — | $7 | 0.03% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $3 | — | $3 | 0.01% |
| HITT & ASSOCIATES PA3 | 3930 SPALDING DR ATLANTA, GA 30350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | — | $966 | 8.00% |
| MADISON-MID ATLANTIC REGION3 | 1241 JOHN W HAMMONS DR MADISON, WI 53717 | UNION SECURITY INSURANCE COMPANY | $800 | — | $800 | 7.32% |
| GARY THORNTON3 | 1115 W 6TH ST LAUREL, MS 39440 | UNION SECURITY INSURANCE COMPANY | $536 | — | $536 | 4.90% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC | 300 SOUTHBOROUGH DR, STE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | $0 | $267 | $267 | 2.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | $0 | $93 | $93 | 0.85% |
| MISSISSIPPI MFG ASSOCIATION3 Filed as: MISSISSIPPI MFG ASSOC | 720 N PRESIDENT JACKSON, MS 39202 | UNION SECURITY INSURANCE COMPANY | $62 | — | $62 | 0.57% |
| SCHIMPF INSURANCE SERVICES INC.3 Filed as: SCHIMPF INSURANCE SERVICES, INC. | PO BOX 1937 RIDGELAND, MS 39158 | UNION SECURITY INSURANCE COMPANY | $62 | — | $62 | 0.57% |
| MARY ANN TRICE3 | 70 TRACE RD LAUREL, MS 39443 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 12.01% |
| HITT & ASSOCIATES PA3 | 3930 SPALDING DR ATLANTA, GA 30350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $747 | — | $747 | 10.00% |
| MADISON-MID ATLANTIC REGION3 | 1241 JOHN W HAMMONS DR MADISON, WI 53717 | UNION SECURITY INSURANCE COMPANY | $589 | — | $589 | 10.92% |
| GARY THORNTON3 | 1115 W 6TH ST LAUREL, MS 39440 | UNION SECURITY INSURANCE COMPANY | $412 | — | $412 | 7.64% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC | 300 SOUTHBOROUGH DR, STE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | $0 | $232 | $232 | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | $0 | $81 | $81 | 1.50% |
| HITT & ASSOCIATES PA3 | 3930 SPALDING DR ATLANTA, GA 30350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $373 | — | $373 | 10.00% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 96 | $329K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $49K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 77 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $20K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 35 | $9K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 13 | $11K |
| Other(3 contracts, 2 carriers) | AFLAC | 133 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.