| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC Filed as: GALLOWAY CHANDLER MCKINNEY INSURANC | PO BOX 9670 COLUMBUS, MS 39705 | BCBS OF MS | $75K | — | $75K | 12.73% |
| WAYNE D HESTER3 | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $3K | $23 | $3K | 2.13% |
| JOAN G OUTLAW3 Filed as: JOAN OUTLAW | 50156 DAN TAYLOR RD ABERDEEN, MS 39730 | AFLAC | $2K | — | $2K | 1.72% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $2K | $68 | $2K | 1.41% |
| GCM INSURANCE AGENCY LLC3 Filed as: GCM INSURANCE AGENCY | PO BOX 9670 COLUMBUS, MS 39705 | AFLAC | $2K | — | $2K | 1.31% |
| LEAH R AVANT3 | 1224 HWY 178 MANTACHIE, MS 38855 | AFLAC | $2K | — | $2K | 1.13% |
| JOHN D GILLIAM3 | 2321 COMMERCE DR COLUMBUS, MS 39705 | AFLAC | $1K | — | $1K | 0.81% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $947 | — | $947 | 0.68% |
| BENJAMIN J PIERCE3 | 78 MILL RD COLUMBUS, MS 39702 | AFLAC | $706 | — | $706 | 0.51% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $675 | — | $675 | 0.48% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 COLUMBUS, GA 31904 | AFLAC | $628 | — | $628 | 0.45% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $586 | — | $586 | 0.42% |
| JAMES LENN WEEKS3 | 105 NOTTINGHAM LN COLUMBUS, MS 39705 | AFLAC | $516 | — | $516 | 0.37% |
| TIMOTHY A MASSEY3 | 262 LAKEOVER DR W COLUMBUS, MS 39705 | AFLAC | $316 | $6 | $322 | 0.23% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $286 | — | $286 | 0.21% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $273 | $9 | $282 | 0.20% |
| BOYCE ALTON FRYE3 | 1820 OLD ABERDEEN RD COLUMBUS, MS 39705 | AFLAC | $263 | — | $263 | 0.19% |
| TERRIE J GILL3 | 447 WILKINS WISE RD COLUMBUS, MS 39705 | AFLAC | $173 | $70 | $243 | 0.17% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $228 | — | $228 | 0.16% |
| ROBERT LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $212 | — | $212 | 0.15% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $202 | — | $202 | 0.14% |
| RITA S RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $159 | — | $159 | 0.11% |
| GINGER KAYE HARDY3 | PO BOX 2532 TUPELO, MS 38803 | AFLAC | $126 | $8 | $134 | 0.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $120 | — | $120 | 0.09% |
| MURFEE MEADOWS INC3 | 120 OFFICE PARK DR STE 110 BIRMINGHAM, AL 35223 | AFLAC | $115 | — | $115 | 0.08% |
| ELIZABETH D JUNKIN3 | PO BOX 86 BUHL, AL 35446 | AFLAC | $94 | — | $94 | 0.07% |
| BENJAMIN J PIERCE3 | 5414 OLD WEST POINT RD COLUMBUS, MS 39701 | AFLAC | $51 | $25 | $76 | 0.05% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $74 | — | $74 | 0.05% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $73 | — | $73 | 0.05% |
| KIMBERLY W WEATHERS3 | 278 THORNTON DR COLUMBUS, MS 39702 | AFLAC | $73 | — | $73 | 0.05% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $67 | — | $67 | 0.05% |
| DREW L WHITTINGTON3 | PO BOX 658 NORTHPORT, AL 35476 | AFLAC | $65 | — | $65 | 0.05% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $64 | — | $64 | 0.05% |
| SACHIKO BASDEN3 | 5876 PLEASANT HILL RD GILBERTOWN, AL 36908 | AFLAC | $61 | — | $61 | 0.04% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $60 | — | $60 | 0.04% |
| MATTHEW D MOEHRING3 | PO BOX 906 COLUMBUS, MS 39703 | AFLAC | $46 | — | $46 | 0.03% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $43 | — | $43 | 0.03% |
| MFK & ASSOCIATES INC3 Filed as: MFK & ASSOCIATES | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $42 | — | $42 | 0.03% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $38 | — | $38 | 0.03% |
| NANCY KAY WOOD3 | 603 1ST ST NE ALICEVILLE, AL 35442 | AFLAC | $32 | — | $32 | 0.02% |
| REX S SHANNER3 | 15722 BEACON POINT DR NORTHPORT, AL 35475 | AFLAC | $31 | — | $31 | 0.02% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $28 | — | $28 | 0.02% |
| KATHERINE LYON COMER3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $28 | — | $28 | 0.02% |
| JAMES THOMAS ELDRIDGE3 | 800 GREEN T LK W HERNANDO, MS 38632 | AFLAC | $28 | — | $28 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $27 | — | $27 | 0.02% |
| DAVID C HENRY3 | 36 ELM LN ECRU, MS 38841 | AFLAC | $24 | — | $24 | 0.02% |
| INSGROUP INC3 Filed as: M&F INSURANCE GROUP INC/ TUPELO | PO BOX 707 KOSCIUSKO, MS 39090 | AFLAC | $22 | — | $22 | 0.02% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $21 | — | $21 | 0.02% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $21 | — | $21 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $20 | — | $20 | 0.01% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $20 | — | $20 | 0.01% |
| D P SMITH3 Filed as: DP SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $16 | — | $16 | 0.01% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $15 | — | $15 | 0.01% |
| BRANDI DIANA KELLUM3 | PO BOX 96 PHEBA, MS 39755 | AFLAC | $15 | — | $15 | 0.01% |
| VICKI M BUTLER3 Filed as: VICKI M BUTLERR | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN E HICKS3 | 5073 DONOVAN ST FRANKLIN, TN 37064 | AFLAC | $12 | — | $12 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $12 | — | $12 | 0.01% |
| RUTH JEANETTE LONG3 | 10147 HWY 187 SPRUCE PINE, AL 35585 | AFLAC | $11 | — | $11 | 0.01% |
| LESLIE H SILTMAN3 | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $10 | — | $10 | 0.01% |
| CAROLYN HESTER3 | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $9 | — | $9 | 0.01% |
| LECRISHA L JENKINS3 | 9575 MICHIGAN DR OLIVE BRANCH, MS 38654 | AFLAC | $8 | — | $8 | 0.01% |
| KRISTY L CRONIN3 | 431 SUNDIAL RD MADISON, MS 39110 | AFLAC | $7 | — | $7 | 0.01% |
| ASHLEY C MIDDLETON3 | 105 INGLESIDE EAST DR MADISON, MS 39110 | AFLAC | $7 | — | $7 | 0.01% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $7 | — | $7 | 0.01% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATION DR STE 140 HOOVER, AL 35244 | AFLAC | $7 | — | $7 | 0.01% |
| TIFFANY REEVES3 | 50342 S HARMONY RD AMORY, MS 38821 | AFLAC | $7 | — | $7 | 0.01% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $7 | — | $7 | 0.01% |
| FLOYD D KIMBROUGH3 | 875 BRIARWOOD DR JACKSON, MS 39211 | AFLAC | $6 | — | $6 | 0.00% |
| MIRANDA ANDREWS3 | 1307 LUMPKIN AVE TUPELO, MS 38801 | AFLAC | $6 | — | $6 | 0.00% |
| BRUCE D CAPLES3 | 3519 ACORN AVE STE 601 TUSCALOOSA, AL 35406 | AFLAC | $6 | — | $6 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.00% |
| ERIN L KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $4 | — | $4 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $4 | — | $4 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $4 | — | $4 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN T SUCHEKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| MITCHELL S CAREY3 | 1866 SANDERS MILL RD BILOXI, MS 39532 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $1 | — | $1 | 0.00% |
| GCM INSURANCE AGENCY LLC | PO BOX 9670 COLUMBUS, MS 39705 | UNUM LIFE INSURANCE CO | $7K | — | $7K | 8.38% |
| GCM INSURANCE AGENCY LLC | PO BOX 9670 COLUMBUS, MS 39705 | UNUM LIFE INSURANCE CO | $12K | — | $12K | 15.00% |
| GCM INSURANCE AGENCY LLC | PO BOX 9670 COLUMBUS, MS 39705 | STARMOUNT LIFE INSURANCE | $4K | — | $4K | 12.01% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF MS | 251 | $590K |
| Dental | DELTA DENTAL INSURANCE CO. | 264 | $28K |
| Vision | STARMOUNT LIFE INSURANCE | 265 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO | 329 | $168K |
| Short-term disability | AFLAC | 164 | $139K |
| Long-term disability | UNUM LIFE INSURANCE CO | 329 | $87K |
| Prescription drug | BCBS OF MS | 251 | $590K |
| Stop-loss / reinsurancereinsurance | BCBS OF MS | 251 | $590K |
| Other(2 contracts, 2 carriers) | AFLAC | 329 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.