| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2010 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL | $27K | $0 | $27K | 5.00% |
| MICHELLE B RILEY3 Filed as: MICHELLE B. MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 4.26% |
| MICHELLE B RILEY3 Filed as: MICHELLE B MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.02% |
| V L MONTGOMERY INC3 Filed as: V L MONTGOMERY, INC. | 6373 RED OAK DR BAILEY, MS 39320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.68% |
| BARBARA WILLIAMS3 Filed as: BARBARA J WILLIAMS | 7533 FORREST DR MERIDIAN, MS 39305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | $0 | $439 | 0.28% |
| L CHRIS LINK3 Filed as: CHRIS A LEVERN | 109 MILLCREEK CORNERS STE D BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | $0 | $265 | 0.17% |
| E INGRAM INC3 Filed as: E. INGRAM, INC. | 501 COBBLESTONE CT. STE A MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | $0 | $251 | 0.16% |
| HARDY INSURANCE INC3 | 721 WEST MAIN ST TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | $0 | $159 | 0.10% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M. MARZARI | 601 CRESCENT BLVD STE 102 JACKSON, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.09% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 0.09% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 3399 HARRELL DR WEST POINT, MS 39773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| J NELSON LLC3 | 69 BIENVILLE TRACE HATTIESBURG, MS 39402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MICHELLE B RILEY3 Filed as: MICHELLE B. MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | AFLAC | $12K | $27 | $12K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | AFLAC | $6K | $0 | $6K | 5.02% |
| V L MONTGOMERY INC3 Filed as: V L MONTGOMERY, INC. | 6373 RED OAK DR. BAILEY, MS 39320 | AFLAC | $2K | $4 | $2K | 1.64% |
| BARBARA WILLIAMS3 Filed as: BARBARA WILLIAMS, INC. | 7533 FOREST DR. MERIDIAN, MS 39305 | AFLAC | $783 | $0 | $783 | 0.63% |
| WILLIAM C ATKINS3 Filed as: WILLIAM C. ATKINS | 123 1.2 E. MAIN ST. STARKVILLE, MS 39759 | AFLAC | $504 | $0 | $504 | 0.41% |
| E SPEED INC3 Filed as: E SPEED, INC. | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $347 | $0 | $347 | 0.28% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $171 | $0 | $171 | 0.14% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M. MARZARI | 601 CRESCENT BLV, STE 102 RIDGELAND, MS 39157 | AFLAC | $171 | $0 | $171 | 0.14% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE, INC. | P.O. BOX 872 TUPELO, MS 38802 | AFLAC | $88 | $4 | $92 | 0.07% |
| CHRISTOPHER S HARDY3 Filed as: CHRISTOPHER S. HARDY | 113 CLARK ST, STE 3 TUPELO, MS 38804 | AFLAC | $77 | $0 | $77 | 0.06% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY RD WEST POINT, MS 39773 | AFLAC | $66 | $0 | $66 | 0.05% |
| MICHAEL R MEREDITH3 Filed as: MICHAEL R. MEREDITH | 11921 ROYCE WATERFORD CIRCLE TAMPA, FL 33626 | AFLAC | $30 | $0 | $30 | 0.02% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER, INC. | 106 LONG LEAF PL MADISON, MS 39110 | AFLAC | $13 | $0 | $13 | 0.01% |
| ROBERT J LOVERN3 Filed as: ROBERT J. LOVERN | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $11 | $0 | $11 | 0.01% |
| MATTHEW SWAIN3 Filed as: MATTHEW K. SWAIN | 1202 62ND CT MERIDIAN, MS 39305 | AFLAC | $9 | $0 | $9 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND L. MELVIN | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $8 | $0 | $8 | 0.01% |
| SCOTTI MADISON3 | 3300 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $7 | $0 | $7 | 0.01% |
| MICHAEL R MEREDITH3 Filed as: MICHAEL R. MEREDITH | 300 CAPTAINS WALK APT 102 DELRAY BEACH, FL 33483 | AFLAC | $6 | $0 | $6 | 0.00% |
| MATTHEW SWAIN3 Filed as: MATTHEW K. SWAIN | 6706 13TH PL MERIDIAN, MS 39305 | AFLAC | $6 | $0 | $6 | 0.00% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $3 | $0 | $3 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | AFLAC | $3 | $0 | $3 | 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% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LN. COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.00% |
| PETER B WILKINSON JR3 Filed as: PETER B. WIKLINSON, JR. | 6202 IOLA AVE. STE 115 LUBBOCK, TX 79424 | AFLAC | $1 | $0 | $1 | 0.00% |
| D P SMITH3 | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN T. SHUTECKI | 225 S. WATER ST WILIMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL SHELBY AMOS II3 Filed as: PAUL SHELBY AMOS, II | 1932 WYNNTON RD. 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $1 | $0 | $1 | 0.00% |
| MCDONALD PLUMMER III3 Filed as: MCDONALD PLUMMER, III | 2934 FLEETWOOD DR. COLUMBUS, GA 31906 | AFLAC | $1 | $0 | $1 | 0.00% |
| PETER B WILKINSON JR3 Filed as: PETER B. WILKINSON, JR. | 1408 LANCELOT AVE. WOLFFORTH, TX 79382 | AFLAC | $1 | $0 | $1 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL D. LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK S LEE3 Filed as: MARK S. LEE | 1192 PEYTON DR. NW KENNESAW, GA 30152 | AFLAC | $1 | $0 | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR. BOGART, GA 30622 | AFLAC | $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 PITTSBURGH, PA | $16K | $0 | $16K | 13.00% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $12K | $0 | $12K | 10.00% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STTES INSURANCE CORPORATION | P.O. BOX 1042 PELAHATCHIE, MS 39145 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | $0 | $4K | 3.00% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 S. MCCARREN BLVD, STE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | $0 | $1K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VSP VISION SERVICE PLAN | $8K | $0 | $8K | 10.06% |
| FLEIMING, ROBINSON, PARKER & GOFORT3 | P.O. BOX 5634 MERIDIAN, MS 39302 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.97% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT ST. MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $696 | $0 | $696 | 1.34% |
| LOUIS BARBER3 Filed as: LOUIS C. BARBER | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $583 | $0 | $583 | 1.12% |
| DANE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $307 | $0 | $307 | 0.59% |
| FIRST FLIGHT MARKETING3 | 94 THISTLE ROCK PLACE THE WOODLANDS, TX 77382 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $257 | $0 | $257 | 0.50% |
| COMMONWEALTH MARKETING3 | 2001 ESE LOOP 323 TYLER, TX 75701 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $241 | $0 | $241 | 0.46% |
| JAMES SNOW3 Filed as: JAMES HOWELL | P.O. BOX 26085 MACON, GA 31221 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $212 | $0 | $212 | 0.41% |
| COLE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $187 | $0 | $187 | 0.36% |
| CHARLES AVERY3 | 2001 ESE LOOP 323 TYLER, TX 75701 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $133 | $0 | $133 | 0.26% |
| ROGER HARDIN3 | 578 237TH AVE. DELMAR, IA 52037 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $48 | $0 | $48 | 0.09% |
| JESSE A WING3 Filed as: JESSE WING | 115 EAST PLATT ST. MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $36 | $0 | $36 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $462K |
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 | 834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 661 | $208K |
| Dental | DELTA DENTAL | 771 | $543K |
| Vision | VSP VISION SERVICE PLAN | 611 | $77K |
| Other(2 contracts, 2 carriers) | AFLAC | 246 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
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.