| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCM INSURANCE AGENCY LLC3 | PO BOX 9670 COLUMBUS, MS 39705 | AFLAC | $3K | — | $3K | 2.31% |
| JOAN G OUTLAW3 | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | AFLAC | $3K | $186 | $3K | 2.30% |
| JOHN D GILLIAM3 | PO BOX 2505 COLUMBUS, MS 39704 | AFLAC | $3K | — | $3K | 1.84% |
| WILLIAM C ATKINS3 | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $2K | $55 | $3K | 1.80% |
| WAYNE D HESTER3 | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $3K | — | $3K | 1.80% |
| LEAH R AVANT3 | 1224 HIGHWAY 178 MANTACHIE, MS 38855 | AFLAC | $2K | $129 | $2K | 1.55% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $1K | — | $1K | 0.81% |
| DK REEVES INC3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $730 | — | $730 | 0.52% |
| TERRIE J GILL3 | 447 WILKINS WISE ROAD COLUMBUS, MS 39705 | AFLAC | $584 | — | $584 | 0.42% |
| JAMES LENN WEEKS3 | 105 NOTTINGHAM LANE COLUMBUS, MS 39705 | AFLAC | $563 | — | $563 | 0.40% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE SUITE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $416 | — | $416 | 0.30% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $400 | — | $400 | 0.29% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $325 | — | $325 | 0.23% |
| BOYCE ALTON FRYE3 | 1820 OLD ABERDEEN ROAD COLUMBUS, MS 39705 | AFLAC | $269 | — | $269 | 0.19% |
| TIMOTHY A MASSEY3 | 262 LAKEOVER DRIVE WEST COLUMBUS, MS 39702 | AFLAC | $218 | — | $218 | 0.16% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DRIVE PHILADELPHIA, MS 39350 | AFLAC | $215 | — | $215 | 0.15% |
| RITA S RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $177 | $16 | $193 | 0.14% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $177 | — | $177 | 0.13% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $148 | — | $148 | 0.11% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $140 | — | $140 | 0.10% |
| MURFEE MEADOWS INC3 | 120 OFFICE PARK DRIVE SUITE 100 SUITE 110 BIRMINGHAM, AL 35223 | AFLAC | $115 | — | $115 | 0.08% |
| ELIZABETH D JUNKIN3 | PO BOX 86 BUHL, AL 35446 | AFLAC | $98 | — | $98 | 0.07% |
| GREGORY J WEEKS3 | 730 AVIGNON DRIVE SUITE 101 RIDGELAND, MS 39157 | AFLAC | $80 | — | $80 | 0.06% |
| KIMBERLY W WEATHERS3 | 278 THORNTON DRIVE COLUMBUS, MS 39702 | AFLAC | $73 | — | $73 | 0.05% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $69 | — | $69 | 0.05% |
| RANDY PRESCOTT3 | 3105 28TH STREET NORTHPORT, AL 35476 | AFLAC | $69 | — | $69 | 0.05% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVENUE NORTHPORT, AL 35475 | AFLAC | $65 | $3 | $68 | 0.05% |
| RANDALL D LADNER3 | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $67 | — | $67 | 0.05% |
| DREW L WHITTINGTON3 | PO BOX 658 NORTHPORT, AL 35476 | AFLAC | $65 | — | $65 | 0.05% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $64 | — | $64 | 0.05% |
| BENJAMIN J PIERCE3 | 78 MILL ROAD COLUMBUS, MS 39702 | AFLAC | $61 | — | $61 | 0.04% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $54 | — | $54 | 0.04% |
| TIFFANY REEVES3 | 50342 SOUTH HARMONY ROAD AMORY, MS 38821 | AFLAC | $40 | $12 | $52 | 0.04% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIRCLE SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $44 | — | $44 | 0.03% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BOULEVARD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $42 | — | $42 | 0.03% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DRIVE JACKSON, MS 39211 | AFLAC | $38 | — | $38 | 0.03% |
| DAVID C HENRY3 | 36 ELM LANE ECRU, MS 38841 | AFLAC | $33 | — | $33 | 0.02% |
| SACHIKO BASDEN3 | 914 WARREN AVENUE TUSCUMBIA, AL 35674 | AFLAC | $32 | — | $32 | 0.02% |
| NANCY KAY WOOD3 | 603 1ST STREET NORTHEAST ALICEVILLE, AL 35442 | AFLAC | $32 | — | $32 | 0.02% |
| D AND V BUTLER INC3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $31 | — | $31 | 0.02% |
| REX S SHANNER3 | 15722 BEACON POINT DRIVE NORTHPORT, AL 35475 | AFLAC | $31 | — | $31 | 0.02% |
| JAMES THOMAS ELDRIDGE3 | 800 GREEN T LAKE WEST HERNANDO, MS 38632 | AFLAC | $28 | — | $28 | 0.02% |
| KATHERINE LYON COMER3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $28 | — | $28 | 0.02% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD P KIMBROUGH | 6380 NORTH PARK MEADOW WAY APARTMENT 203 BOISE, ID 83713 | AFLAC | $28 | — | $28 | 0.02% |
| RICHARD J ATKINSON3 | PO BOX 738 BRANDON, MS 39043 | AFLAC | $25 | — | $25 | 0.02% |
| ANITA ATKINSON3 Filed as: ANITA D ATKINSON | PO BOX 738 BRANDON, MS 39043 | AFLAC | $25 | — | $25 | 0.02% |
| GINGER KAYE HARDY3 | 1105 WEST JACKSON STREET TUPELO, MS 38804 | AFLAC | $22 | — | $22 | 0.02% |
| INSGROUP INC3 Filed as: M & F INSURANCE GROUP INC/TUPELO | PO BOX 707 KOSCIUSKO, MS 39090 | AFLAC | $22 | — | $22 | 0.02% |
| LESLIE H SILTMAN3 | 207 MOORE DRIVE BATESVILLE, MS 38606 | AFLAC | $21 | — | $21 | 0.02% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $20 | — | $20 | 0.01% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $20 | — | $20 | 0.01% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $20 | — | $20 | 0.01% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $18 | — | $18 | 0.01% |
| E SPEED INC3 | 129 GLENWOOD BEND MADISON, MS 39110 | AFLAC | $16 | — | $16 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $16 | — | $16 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $16 | — | $16 | 0.01% |
| BRANDI DIANA KELLUM3 | PO BOX 96 PHEBA, MS 39755 | AFLAC | $15 | — | $15 | 0.01% |
| J DAVID BUTLER3 | 404 A WEST PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $15 | — | $15 | 0.01% |
| ASHLEY C MIDDLETON3 | 105 INGLESIDE EAST DRIVE MADISON, MS 39110 | AFLAC | $15 | — | $15 | 0.01% |
| KRISTY L CRONIN3 | 431 SUNDIAL ROAD MADISON, MS 39110 | AFLAC | $15 | — | $15 | 0.01% |
| LECRISHA L JENKINS3 | 9575 MICHIGAN DRIVE OLIVE BRANCH, MS 38654 | AFLAC | $14 | — | $14 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DRIVE SUITE 140 HOOVER, AL 35244 | AFLAC | $8 | $3 | $11 | 0.01% |
| CAROLYN HESTER3 | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $10 | — | $10 | 0.01% |
| RICHARD TYLER AKERS3 | 109 MILL CREEK CROSS BRANDON, MS 39047 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON ROAD RAMER, TN 38367 | AFLAC | $9 | — | $9 | 0.01% |
| BRIAN E HICKS3 | 1327 JEWELL AVENUE FRANKLIN, TN 37064 | AFLAC | $8 | — | $8 | 0.01% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.01% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | AFLAC | $7 | — | $7 | 0.01% |
| BRUCE D CAPLES3 | 3519 ACORN AVENUE SUITE 601 TUSCALOOSA, AL 35406 | AFLAC | $6 | — | $6 | 0.00% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $6 | — | $6 | 0.00% |
| RUTH JEANETTE LONG3 | 10147 HIGHWAY 187 SPRUCE PINE, AL 35585 | AFLAC | $6 | — | $6 | 0.00% |
| FLOYD D KIMBROUGH3 | 875 BRIARWOOD DRIVE JACKSON, MS 39211 | AFLAC | $6 | — | $6 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DRIVE COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.00% |
| MOLLY MCCANN3 | 125 STONEHEDGE ROAD CHANDLER, IN 47610 | AFLAC | $4 | — | $4 | 0.00% |
| JOSHUA L CLINE3 | 349 BOTELER ROAD FLORENCE, MS 39073 | AFLAC | $4 | — | $4 | 0.00% |
| ERIN L KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $4 | — | $4 | 0.00% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BOULEVARD MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.00% |
| MARK WAYNE SPRADLING3 | 190 BLAYLOCK MOUNTAIN ROAD COOKEVILLE, TN 38506 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $3 | — | $3 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $1 | — | $1 | 0.00% |
| MITCHELL S CAREY3 | 1866 SANDERS MILL ROAD BILOXI, MS 39532 | AFLAC | $1 | — | $1 | 0.00% |
| GCM INSURANCE AGENCY LLC3 | PO BOX 9670 COLUMBUS, MS 39705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.32% |
| GCM INSURANCE AGENCY LLC3 | PO BOX 9670 COLUMBUS, MS 39705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.28% |
| GCM INSURANCE AGENCY LLC3 | PO BOX 9670 COLUMBUS, MS 39705 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
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 | 339 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 277 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $148K |
| Short-term disability | AFLAC | 212 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $78K |
| Stop-loss / reinsurancereinsurance | LIBERTY MUTUAL | 264 | $537K |
| Other(3 contracts, 2 carriers) | AFLAC | 339 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.