| 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 | $27K | $5K | $33K | 23.99% |
| CHARLOTTE D BOSS3 Filed as: CHARLOTTE BOSS | 16145 ORANGE GROVE RD STE E GULFPORT, MS 39503 | AFLAC | $2K | — | $2K | 1.66% |
| SHARON BUNTYN3 | 16126 SYLVAN DR GULFPORT, MS 39503 | AFLAC | $2K | — | $2K | 1.61% |
| ALISON HINTON DAVIS3 Filed as: ALISON ODOM | 524 BERWICK DR BRANDON, MS 39047 | AFLAC | $1K | — | $1K | 1.13% |
| ANNE NICHOLSON3 | PO BOX 10172 GULFPORT, MS 39505 | AFLAC | $969 | — | $969 | 1.03% |
| MARK BUTLER INC3 | 13155 SHRINERS BLVD STE A BILOXI, MS 39532 | AFLAC | $679 | — | $679 | 0.72% |
| SANDRA K JACKSON3 Filed as: SANDRA JACKSON | 3102 SUMMIT RD GOLDSBORO, NC 27534 | AFLAC | $559 | — | $559 | 0.59% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $557 | — | $557 | 0.59% |
| DAWNY M GINTER3 Filed as: DAWNY GINTER | 16145 ORANGE GROVE RD STE F GULFPORT, MS 39503 | AFLAC | $382 | — | $382 | 0.41% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $382 | — | $382 | 0.41% |
| PAULETTE MOWBRAY3 | 129 NORTHWOOD DR PASS CHRISTIAN, MS 39571 | AFLAC | $381 | — | $381 | 0.40% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $329 | — | $329 | 0.35% |
| STELLA SWAIM3 | 7205 VIDALIA RD PASS CHRISTIAN, MS 39571 | AFLAC | $272 | — | $272 | 0.29% |
| SHARON TRIPPE3 | 827 CAROLEE CIRCLE BILOXI, MS 39532 | AFLAC | $215 | — | $215 | 0.23% |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH TALTON | 232 GOODMAN RD W STE 305 SOUTHHAVEN, MS 38671 | AFLAC | $193 | — | $193 | 0.20% |
| ANITA WARE3 | 2881 A WIRE RD E PERKINSTON, MS 39573 | AFLAC | $182 | — | $182 | 0.19% |
| WAYNE C KIM3 Filed as: WAYNE KIM | 15043 SAGEWOOD ST GULFPORT, MS 39503 | AFLAC | $152 | — | $152 | 0.16% |
| PATRICK A MCCOOL3 Filed as: PATRICK MCCOOL | 177 ADAMSVILLE RD BRIDGEWATER, NJ 08807 | AFLAC | $105 | — | $105 | 0.11% |
| JACQUELINE M SMITH3 Filed as: JACQUELINE SMITH | 18209 BOSS CONNER RD GULFPORT, MS 39503 | AFLAC | $91 | — | $91 | 0.10% |
| PATRICIA ROYSTER3 | 13801 OLD BILOXI RD OCEAN SPRINGS, MS 39565 | AFLAC | $89 | — | $89 | 0.09% |
| MITCHELL S CAREY3 Filed as: MITCHELL CAREY | 1866 SANDERS MILL ROAD BILOXI, MS 39532 | AFLAC | $86 | — | $86 | 0.09% |
| CHRISTOPHER EUBANKS3 | 15835 FOOTHILL FARMS LOOP APT 2822 PFLUGERVILLE, TX 78660 | AFLAC | $77 | — | $77 | 0.08% |
| J SHANKS3 | 307 DOGWOOD DR OXFORD, MS 38655 | AFLAC | $65 | — | $65 | 0.07% |
| KEVIN JAY THOMPSON3 Filed as: KEVIN BARKEMEYER | 200 PRESERVE LAKE DR STE C COVINGTON, LA 70433 | AFLAC | $57 | — | $57 | 0.06% |
| CARLA B KEITH3 Filed as: CARLA KEITH | 614 MAGNOLIA AVE OCEAN SPRINGS, MS 39564 | AFLAC | $56 | — | $56 | 0.06% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $52 | — | $52 | 0.06% |
| AMY COAKLEY3 | PO BOX 1404 PASCAGOULA, MS 39568 | AFLAC | $46 | — | $46 | 0.05% |
| SHEILA STEWART3 | 27501 PERDIDO BEACH BLVD 410 ORANGE BEACH, AL 36561 | AFLAC | $40 | — | $40 | 0.04% |
| ERNEST GIUSTI III3 | 4701 BISSONET DR METAIRIE, LA 70003 | AFLAC | $31 | — | $31 | 0.03% |
| D P SMITH3 Filed as: D SMITH | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $29 | — | $29 | 0.03% |
| JAMES M. EMIDY3 Filed as: JAMES A S FARMER | PO BOX 605 RIDGELAND, MS 39158 | AFLAC | $21 | — | $21 | 0.02% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 6202 IOLA AVE STE 115 LUBBOCK, TX 79424 | AFLAC | $20 | — | $20 | 0.02% |
| CHARLES BOSS3 | 18209 BOSS CONNER RD GULFPORT, MS 39503 | AFLAC | $19 | — | $19 | 0.02% |
| CAREY H MCALEXANDER3 Filed as: CAREY MCALEXANDER | 2997 MONROE RD SEMINARY, MS 39479 | AFLAC | $16 | — | $16 | 0.02% |
| KRISTI LYNN HERNANDEZ3 Filed as: KRISTI HERNANDEZ | PO BOX 72 RANGER, TX 76470 | AFLAC | $15 | — | $15 | 0.02% |
| ROCKY B CUNNINGHAM JR3 Filed as: ROCKY CUNNINGHAM JR | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $9 | — | $9 | 0.01% |
| MICHAEL HAMEL MCGRAW3 Filed as: MICHAEL C FARMER | 17 WINDSTONE HATTIESBURG, MS 39402 | AFLAC | $6 | — | $6 | 0.01% |
| VICKI M BUTLER3 Filed as: VICKI BUTLER | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT T GRIFFIN3 Filed as: ROBERT GRIFFIN | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $3 | — | $3 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 3850 VINE STREET STE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIE MARZARI3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.00% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $1 | — | $1 | 0.00% |
| BYRON KEITH BURRELL3 Filed as: BYRON BURRELL | 2330 QUATTLEBAUM CV CONWAY, AR 72034 | AFLAC | $0 | — | $0 | 0.00% |
| KAREN LYNN GRACZYK3 Filed as: KAREN GRACZYK | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $0 | — | $0 | 0.00% |
| MCDONALD PLUMMER III3 Filed as: MCDONALD PLUMMBER III | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | 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 | $6K | — | $6K | 7.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $761 | $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 | 3.84% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $18K | — | $18K | 43.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 1950 200 GALLERIA PARKWAY ATLANTA, GA 303393182 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 300 400 GALLERIA PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $178 | $178 | 0.48% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $23 | $23 | 0.06% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $197 | $5K | 20.91% |
| 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% |
| 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 | $757 | $282 | $1K | 6.86% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $962 | $98 | $1K | 22.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $481 | — | $481 | 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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 704 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MS, INC. | 739 | $209K |
| Vision | VISION SERVICE PLAN | 345 | $47K |
| Life insurance(5 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 386 | $190K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 419 | $136K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $50K |
| Other(8 contracts, 4 carriers) | AFLAC | 386 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.