| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNKEY BENEFIT INSURANCE SERVICES3 Filed as: TURNKEY BENEFIT INSURANCE | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 2.50% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | — | $55K | 25.51% |
| MICHELLE B RILEY3 Filed as: MICHELLE MURPHY | 3558 OLD HWY 19 SE MERIDIAN, MS 39301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.25% |
| MICHELLE B RILEY3 Filed as: MICHELLE B MURPHY | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | — | $432 | 0.20% |
| V L MONTGOMERY INC3 | 6373 RED OAK DR BAILEY, MS 39320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 0.13% |
| BARBARA WILLIAMS3 | 29 WANVERLY CT HATTIESBURG, MS 39402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.09% |
| L CHRIS LINK3 Filed as: CHRIS A LEVERN | 619 FALON WAY BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.05% |
| J NELSON LLC3 | 110 MESSEMORE ROAD ELLISVILLE, MS 39437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.05% |
| E SPEED INC3 | 129 GLENWOOD BEND MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.04% |
| CHRISTIE MARZARI3 | 601 CRESENT BLVD STE 102 JACKSON, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.03% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| HARDY INSURANCE INC3 | 721 WEST MAIN ST TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| RANDALL D LADNER3 | 8 GREENBRIAR DRIVE GULFPORT, MS 39507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 3399 HARRELL DRIVE WEST POINT, MS 39773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHELLE B RILEY3 | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $9K | $447 | $9K | 7.63% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN LLC | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $6K | $124 | $6K | 4.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | AFLAC | $3K | — | $3K | 2.80% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $876 | $52 | $928 | 0.76% |
| V L MONTGOMERY INC3 | 6373 RED OAK DR BAILEY, MS 39320 | AFLAC | $831 | — | $831 | 0.68% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: THE BLUE ORANGE SOLUTIONS | 2435 N CENTRAL EXPY 12TH FL RICHARDSON, TX 75080 | AFLAC | $782 | — | $782 | 0.64% |
| J NELSON LLC3 | 112 HICKORY GILLS LOOP PURVIS, MS 39475 | AFLAC | $723 | $52 | $775 | 0.63% |
| BARBARA WILLIAMS3 Filed as: BARBARA WILLIAMS INC | 29 WAVERLY CT HATTERSBURG, MS 39402 | AFLAC | $397 | — | $397 | 0.32% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $211 | — | $211 | 0.17% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $195 | — | $195 | 0.16% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $96 | — | $96 | 0.08% |
| CHRISTIE MARZARI3 | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $96 | — | $96 | 0.08% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $78 | — | $78 | 0.06% |
| JILLIAM C NELSON3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $65 | — | $65 | 0.05% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY ROAD WEST POINT, MS 39773 | AFLAC | $57 | — | $57 | 0.05% |
| VAL MONTGOMERY3 | 6373 RED OAK DR BAILEY, MS 39320 | AFLAC | $46 | — | $46 | 0.04% |
| MADISON STALEY3 | 10604 WREN GRV GULDPORT, MS 39503 | AFLAC | $32 | — | $32 | 0.03% |
| ROBERT LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $32 | — | $32 | 0.03% |
| MELISSA SPEARS3 | 39 KNIGHT ST PHILADELPHIA, MS 39350 | AFLAC | $29 | — | $29 | 0.02% |
| CHRISTOPHER S HARDY3 Filed as: CHRISTOPHER HARDY | P.O. BOX 872 TUPELO, MS 38802 | AFLAC | $28 | — | $28 | 0.02% |
| ANITA WARE3 Filed as: ANITA B WARE | 2881A WIRE RD E PERKINSTON, MS 39573 | AFLAC | $27 | — | $27 | 0.02% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $21 | — | $21 | 0.02% |
| MATTHEW S SWAIN3 | 309 NOBLES ROAD SUMRALL, MS 39482 | AFLAC | $15 | — | $15 | 0.01% |
| WAYNE C KIM3 Filed as: WAYNE KIM | 15043 SAGEWOOD ST GULFPORT, MS 39503 | AFLAC | $14 | — | $14 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.01% |
| MARK BUTLER INC3 Filed as: MARK BUTLER | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $7 | — | $7 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND MELVIN | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $5 | — | $5 | 0.00% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD STE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $1 | — | $1 | 0.00% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL R MEREDITH3 | 11921 ROYCE WATERFORD CIRCLE TAMPA, FL 33626 | AFLAC | — | — | $0 | 0.00% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $8K | — | $8K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROU INC | P.O. BOX 16190 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $2K | — | $2K | 3.00% |
| EDWIN DEREK PEARCE3 | 206 CRIGHTON RDG BOSSIER CITY, LA 71111 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $1K | — | $1K | 1.53% |
| RAMONA S PEARCE3 | 432 GULD ROAD BRANDON, MS 39042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $1K | — | $1K | 1.47% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP INC | 6900 S MCCARRAN BLVD STE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $821 | — | $821 | 1.00% |
| KEY BENEFIT ADMINISTRATORS, INC5 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY | $4K | — | $4K | 6.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-8145036 NONE | Contract Administrator Service code 13 | — | $196K |
| MISSISSIPPI PHYSICIANS CARE NET EIN 64-0844670 NONE | Contract Administrator Service code 13 | — | $63K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator Service code 13 | — | $63K |
| FIRST HEALTH EIN 20-1736437 NONE | Contract Administrator Service code 13 | — | $28K |
| INSPIRA FINANCIAL NONE | Contract Administrator Service code 13 | 2001 SPRING ROAD OAK BROOK, IL 60523 | $6K |
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 | 749 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE | 749 | $307K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 739 | $543K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY | 1,182 | $71K |
| Life insurance | AFLAC | 195 | $123K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 33 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,182 | — |
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."
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.