| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVEN N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP, INC. | P.O. BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $16K | $0 | $16K | 13.00% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $13K | $0 | $13K | 10.00% |
| COASTAL STATES INSURANCE CORPORATIO3 | P.O. BOX 1042 PELAHATCHIE, MS 39145 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $4K | $0 | $4K | 3.00% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARREN BLVD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $1K | $0 | $1K | 1.00% |
| MICHELLE B RILEY3 Filed as: MICHELLE B. MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | AFLAC | $35K | $0 | $35K | 28.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N. STE 1200 BIRMINGHAM, AL 35203 | AFLAC | $15K | $0 | $15K | 12.61% |
| V L MONTGOMERY INC3 Filed as: V L MONTGOMERY, INC. | 6373 RED OAK DR. BAILEY, MS 39320 | AFLAC | $10K | $0 | $10K | 8.33% |
| BARABARA WILLIAMS, INC.3 | 7533 FORREST DR MERIDIAN, MS 39305 | AFLAC | $6K | $0 | $6K | 4.89% |
| E SPEED INC3 Filed as: E SPEED, INC. | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $5K | $0 | $5K | 3.72% |
| JAMES K. MURPHY3 | 211 NORTH HILLS ST MERIDIAN, MS 39305 | AFLAC | $341 | $0 | $341 | 0.28% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY RD WEST POINT, MS 39773 | AFLAC | $113 | $0 | $113 | 0.09% |
| MICHAEL R MEREDITH3 Filed as: MICHAEL R. MEREDITH | 806 TYVOLA RD SUITE 108 LOCKBOX 904037 CHARLOTTE, NC 28290 | AFLAC | $55 | $0 | $55 | 0.04% |
| ROBERT J LOVERN3 Filed as: ROBERT J. LOVERN | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $20 | $0 | $20 | 0.02% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER, INC. | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $16 | $0 | $16 | 0.01% |
| SCOTTI MADISON3 | 3300 COBB PARKWAY, SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $16 | $0 | $16 | 0.01% |
| MATTHEW SWAIN3 Filed as: MATTHEW K. SWAIN | 6706 13TH PLACE MERDIAN, MS 39305 | AFLAC | $14 | $0 | $14 | 0.01% |
| CHRISTOPHER WAYNE THOMPSON3 | 1829 38TH ST MERIDIAN, MS 39305 | AFLAC | $12 | $0 | $12 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND L. MELVIN | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $11 | $0 | $11 | 0.01% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $3 | $0 | $3 | 0.00% |
| MARK S LEE3 Filed as: MARK S. LEE | 1192 PEYTON DR. NW KENNESAW, GA 30152 | AFLAC | $2 | $0 | $2 | 0.00% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW, JR | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL SHELBY AMOS II3 Filed as: PAUL SHELBY AMOS, II | 1932 WYNTOWN RD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $1 | $0 | $1 | 0.00% |
| FLEMING, ROBINSON, PARKER & GOFORTH3 | P.O. BOX 5634 MERDIAN, MS 39302 | CENTRAL UNITED LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.83% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.37% |
| LOUIS BARBER3 Filed as: LOUIS C. BARBER | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $951 | $0 | $951 | 1.20% |
| DANE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $490 | $0 | $490 | 0.62% |
| COMMONWEALTH MARKETING3 | 2001 ESE LOOP 323 TYLER, TX 75701 | CENTRAL UNITED LIFE INSURANCE COMPANY | $423 | $0 | $423 | 0.53% |
| FIRST FLIGHT MARKETING3 | 94 THISTLE BROOK PLACE THE WOODLANDS, TX 77382 | CENTRAL UNITED LIFE INSURANCE COMPANY | $376 | $0 | $376 | 0.47% |
| JAMES SNOW3 Filed as: JAMES HOWELL | P.O. BOX 26085 MACON, GA 31221 | CENTRAL UNITED LIFE INSURANCE COMPANY | $336 | $0 | $336 | 0.42% |
| COLE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $295 | $0 | $295 | 0.37% |
| CHARLES AVERY3 | 2001 ESE LOOPO 323 TYLER, TX 75701 | CENTRAL UNITED LIFE INSURANCE COMPANY | $194 | $0 | $194 | 0.24% |
| BARBARA KNIGHT3 | 975 B KNIGHT RD MERIDIAN, MS 39301 | CENTRAL UNITED LIFE INSURANCE COMPANY | $161 | $0 | $161 | 0.20% |
| ROGER HARDIN3 | 578 237TH AVE DELMAR, IA 52037 | CENTRAL UNITED LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.10% |
| JESSE A WING3 Filed as: JESSE WING | 115 EAST PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.07% |
| UNITED SUPPLEMENTS3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| UNITED SUPPLEMENTS3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| UNITED SUPPLEMENTS3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VSP VISION GLOBAL INSURANCE COMPANY | $6K | $0 | $6K | 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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CENTRAL UNITED LIFE INSURANCE COMPANY | 92 | $79K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 813 | $565K |
| Vision | VSP VISION GLOBAL INSURANCE COMPANY | 571 | $61K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | 243 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.