| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $527 | $23K | 20.46% |
| CHARLOTTE D BOSS3 | 16145 ORANGE GROVE RD STE E GULFPORT, MS 39503 | AFLAC | $2K | $51 | $2K | 1.98% |
| ALISON HINTON DAVIS3 Filed as: ALISON ODOM | 303 SPRING HILL PT BRANDON, MS 39047 | AFLAC | $1K | — | $1K | 1.05% |
| ANNE NICHOLSON3 Filed as: ANNE E NICHOLSON | PO BOX 10172 GULFPORT, MS 39505 | AFLAC | $1K | — | $1K | 1.04% |
| JAMES ROBERT BUNTYN3 | PO BOX 2248 GULFPORT, MS 39505 | AFLAC | $1K | — | $1K | 1.02% |
| MARK BUTLER INC3 | 13155 A SHRINERS BLVD BILOXI, MS 39532 | AFLAC | $840 | $40 | $880 | 0.89% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $688 | $40 | $728 | 0.74% |
| DAWNY M GINTER3 | 13271 MEADOWLAND CT GULFPORT, MS 39503 | AFLAC | $508 | $31 | $539 | 0.55% |
| SANDRA K JACKSON3 | 3102 SUMMIT RD GOLDSBORO, NC 27534 | AFLAC | $539 | — | $539 | 0.55% |
| PAULETTE MOWBRAY3 | 129 NORTHWOOD DR PASS CHRISTIAN, MS 39571 | AFLAC | $531 | — | $531 | 0.54% |
| PAULETTE MOWBRAY3 Filed as: PAULETTE ANN MOWBRAY | 129 NORTHWOOD DR PASS CHRISTIAN, MS 39571 | AFLAC | $331 | $108 | $439 | 0.45% |
| SHARON BUNTYN3 Filed as: SHARON E BUNTYN | 16126 SYLVAN DR GULFPORT, MS 39503 | AFLAC | $433 | — | $433 | 0.44% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $398 | — | $398 | 0.40% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TX 37922 | AFLAC | $319 | — | $319 | 0.32% |
| STELLA SWAIM3 Filed as: STELLA MARIE SWAIM | 7205 VIDALIA RD PASS CHRISTIAN, MS 39571 | AFLAC | $287 | — | $287 | 0.29% |
| ANITA WARE3 Filed as: ANITA B WARE | 2881 A WIRE RD E PERKINSTON, MS 39573 | AFLAC | $235 | $8 | $243 | 0.25% |
| SHARON TRIPPE3 Filed as: SHARON M TRIPPE | 827 CAROLEE CIRCLE BILOXI, MS 39532 | AFLAC | $211 | — | $211 | 0.21% |
| MITCHELL S CAREY3 | 1636 POPPS FERRY RD STE 112 BILOXI, MS 39532 | AFLAC | $202 | — | $202 | 0.21% |
| JACQUELINE M SMITH3 | 12493 CANAL RD GULFPORT, MS 39503 | AFLAC | $192 | — | $192 | 0.20% |
| WAYNE C KIM3 | 15043 SAGEWOOD ST GULFPORT, MS 39503 | AFLAC | $155 | — | $155 | 0.16% |
| MITCHELL S CAREY3 | 1866 SANDERS MILL ROAD BILOXI, MS 39532 | AFLAC | $94 | $40 | $134 | 0.14% |
| PATRICIA ROYSTER3 Filed as: PATRICIA E ROYSTER | 13801 OLD BILOXI RD OCEAN SPRINGS, MS 39565 | AFLAC | $121 | — | $121 | 0.12% |
| ALISON HINTON DAVIS3 Filed as: ALISON ODOM | 524 BERWICK DR BRANDON, MS 39047 | AFLAC | $105 | — | $105 | 0.11% |
| PATRICK A MCCOOL3 | 177 ADAMSVILLE RD BRIDGEWATER, NJ 08807 | AFLAC | $103 | — | $103 | 0.10% |
| JEREMIAH TROY TALTON3 | 3500 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | AFLAC | $98 | — | $98 | 0.10% |
| J DAVID SHANKS3 | 307 DOGWOOD DR OXFORD, MS 38655 | AFLAC | $81 | — | $81 | 0.08% |
| CHRISTOPHER EUBANKS3 Filed as: CHRISTOPHER L EUBANKS | 15835 FOOTHILL FARMS LOOP APT 2711 PFLUGERVILLE, TX 78660 | AFLAC | $79 | — | $79 | 0.08% |
| JEREMIAH TROY TALTON3 | 16145 ORANGE GROVE RD STE E GULFPORT, MS 39503 | AFLAC | $78 | — | $78 | 0.08% |
| CARLA B KEITH3 | 614 MAGNOLIA AVE OCEAN SPRINGS, MS 39564 | AFLAC | $55 | — | $55 | 0.06% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $53 | — | $53 | 0.05% |
| KEVIN G BARKEMEYER3 | 116 COLUMBIA PL SLIDELL, LA 70458 | AFLAC | $48 | — | $48 | 0.05% |
| AMY COAKLEY3 Filed as: AMY B COAKLEY | PO BOX 1404 PASCAGOULA, MS 39568 | AFLAC | $38 | — | $38 | 0.04% |
| JAMES M. EMIDY3 Filed as: JAMES A S FARMER | PO BOX 605 RIDGELAND, MS 39158 | AFLAC | $35 | — | $35 | 0.04% |
| ERNEST GIUSTI III3 Filed as: ERNEST JOSEPH GIUSTI III | 4701 BISSONET DR METAIRIE, LA 70003 | AFLAC | $26 | — | $26 | 0.03% |
| D P SMITH3 | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $24 | — | $24 | 0.02% |
| CAREY H MCALEXANDER3 | 2997 MONROE RD SEMINARY, MS 39479 | AFLAC | $20 | — | $20 | 0.02% |
| CHARLES BOSS3 Filed as: CHARLES W BOSS | 18209 BOSS CONNER RD GULFPORT, MS 39503 | AFLAC | $16 | — | $16 | 0.02% |
| JACQUELINE M SMITH3 | 18081 ROBINWOOD DR SAUCIER, MS 39574 | AFLAC | $14 | — | $14 | 0.01% |
| KRISTI LYNN HERNANDEZ3 | PO BOX 72 RANGER, TX 76470 | AFLAC | $13 | — | $13 | 0.01% |
| SHEILA N STEWART3 | 27501 PERDIDO BEACH BLVD 410 ORANGE BEACH, AL 36561 | AFLAC | $12 | — | $12 | 0.01% |
| MICHAEL HAMEL MCGRAW3 Filed as: MICHAEL C FARMER | 17 WINDSTONE HATTIESBURG, MS 39402 | AFLAC | $10 | — | $10 | 0.01% |
| JENNIFER ARDE3 Filed as: JENNIFER A PALMER | 12140 KENT AVE GULFPORT, MS 39503 | AFLAC | $10 | — | $10 | 0.01% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $7 | — | $7 | 0.01% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH E PARKER JR3 Filed as: JOSEPH B WALKER | 7100 SOUTHWIND DR BILOXI, MS 39532 | AFLAC | $0 | — | $0 | 0.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.59% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $772 | $11K | 21.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 300 400 GALLERIA PARKWAY ATLANTA, GA 303393182 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $2K | $6K | 17.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $940 | $110 | $1K | 5.58% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $111 | $3K | 20.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 68.18% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $39 | $1K | 20.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $655 | — | $655 | 10.01% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MS, INC. | 639 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF MS, INC. | 678 | $197K |
| Vision | VISION SERVICE PLAN | 298 | $43K |
| Life insurance(5 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 353 | $160K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 369 | $114K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $51K |
| Other(8 contracts, 4 carriers) | AFLAC | 353 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
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.