| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL | $28K | — | $28K | 5.00% |
| MICHELLE B RILEY3 Filed as: MICHELLE B. MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 7.89% |
| MICHELLE B RILEY3 Filed as: MICHELLE B. MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 6.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE. N., SUITE 1200 BIRMINGHAM, AL 35203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 6.29% |
| V L MONTGOMERY INC3 Filed as: VL MONTGOMERY, INC. | 6373 RED OAK DR. BAILEY, MS 39320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $780 | — | $780 | 0.47% |
| L CHRIS LINK3 Filed as: CHRIS A. LEVERN | 109 MILLCREEK CORNERS, SUITE D BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $639 | — | $639 | 0.38% |
| J NELSON LLC3 Filed as: J NELSON, LLC | 69 BIENVILLE TRACE HATTIESBURG, MS 39402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $577 | — | $577 | 0.35% |
| BARBARA WILLIAMS3 Filed as: BARBARA J. WILLIAMS | 29 WAVERLY CT HATTIESBURG, MS 39402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 0.17% |
| E INGRAM INC3 Filed as: E. INGRAM, INC. | 501 COBBLESTONE COURT, SUITE A MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | — | $208 | 0.12% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M. MARZARI | 601 CRESCENT BLVD STE 102 JACKSON, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.07% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWN LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.07% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE, INC. | 721 WEST MAIN ST. TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.06% |
| RANDALL D LADNER3 Filed as: RANDALL D. LADNER | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 3399 HARRELL DRIVE WEST POINT, MS 39773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHELLE BROOKER RILEY3 Filed as: MICHELLE B MUPRHY | PO BOX 263 MERIDIAN, MS 39302 | AFLAC | $17K | $547 | $17K | 13.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | AFLAC | $7K | — | $7K | 5.38% |
| V L MONTGOMERY INC3 Filed as: VL MONTGOMERY INC | 6373 RED OAK DR BAILEY, MS 39320 | AFLAC | $1K | $102 | $2K | 1.20% |
| CHRISTIAN ANDRE LEVERN3 | 109 MILLCREEK CORS STE D BRANDON, MS 39047 | AFLAC | $803 | — | $803 | 0.62% |
| J NELSON LLC3 | 69 BIENVILLE TRCE HATTIESBURG, MS 39402 | AFLAC | $762 | — | $762 | 0.58% |
| BARBARA WILLIAMS3 Filed as: BARBARA WILLIAMS INC | 29 WAVERLY CT HATTIESBURG, MS 39402 | AFLAC | $671 | — | $671 | 0.51% |
| E SPEED INC3 | 128 GLENWOOD BND MADISON, MS 39110 | AFLAC | $290 | — | $290 | 0.22% |
| WILLIAM C ATKINS3 | 123 1/2 E MAIN ST STARKVILLE, MS 39759 | AFLAC | $173 | $109 | $282 | 0.22% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $145 | — | $145 | 0.11% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $145 | — | $145 | 0.11% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE INC. | PO BOX 872 TUPELO, MS 38802 | AFLAC | $62 | — | $62 | 0.05% |
| CHRISTOPHER S HARDY3 | 113 CLARK ST STE 3 TUPELO, MS 38804 | AFLAC | $56 | — | $56 | 0.04% |
| JILLIAN C NELSON3 | 69 BIENVILLE TRCE HATTIESBURG, MS 39402 | AFLAC | $44 | — | $44 | 0.03% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY RD WEST POINT, MS 39773 | AFLAC | $38 | — | $38 | 0.03% |
| MICHAEL R MEREDITH3 | 11921 ROYCE WATERFORD CIR TAMPA, FL 33626 | AFLAC | $33 | — | $33 | 0.03% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $23 | — | $23 | 0.02% |
| RICHARD TYLER AKERS3 | 109 MILLCREEK CORS BRANDON, MS 39047 | AFLAC | $22 | — | $22 | 0.02% |
| TAMMY FOX MATHIS3 | 1950 COUNTY ROAD 450 QUITMAN, MS 39355 | AFLAC | $14 | — | $14 | 0.01% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $13 | — | $13 | 0.01% |
| ROBERT J LOVERN3 Filed as: ROBERT JUSTIN LOVERN | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $13 | — | $13 | 0.01% |
| MATTHEW SWAIN3 Filed as: MATTHEW K SWAIN | 1202 62ND CT MERIDIAN, MS 39305 | AFLAC | $13 | — | $13 | 0.01% |
| D AND V BLUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $12 | — | $12 | 0.01% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $7 | — | $7 | 0.01% |
| SARAH Y ZACCARO3 | 1015 MONTLIMAR DR STE D5 MOBILE, AL 36609 | AFLAC | $7 | — | $7 | 0.01% |
| SCOTTI MADISON3 | 3300 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | AFLAC | $6 | — | $6 | 0.00% |
| SCOTTI MADISON3 | 33 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | AFLAC | $3 | — | $3 | 0.00% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 22 VALLEY, AL 36854 | AFLAC | $3 | — | $3 | 0.00% |
| SAIC INC3 | 4245 MILGEN COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.00% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $2 | — | $2 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LN COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| D P SMITH3 Filed as: DP SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| MARK S LEE3 | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROD 14TH FL COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $1 | — | $1 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE ADVISORY GROUP, LLC Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $12K | — | $12K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP INC | P.O. BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $4K | — | $4K | 3.00% |
| COASTAL STATES INSURANCE CORP | P.O. BOX 1042 PELAHATCHIE, MS 39145 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $3K | — | $3K | 2.27% |
| ASPEN REINSURANCE GROUP, INC. Filed as: ASPEN REINSURANCE GROUP, INC | 6900 S MCCARRAN BLVD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $1K | — | $1K | 1.00% |
| EDWIN DEREK PEARCE | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $441 | — | $441 | 0.37% |
| RAMONA S PEARCE | 432 GULDE RD BRANDON, MS 39042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $424 | — | $424 | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE. BIRMINGHAM, AL 35203 | VISION SERVICE PLAN (VSP) | $7K | — | $7K | 9.14% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $674 | — | $674 | 1.35% |
| LOUIS BARBER3 Filed as: LOUIS C BARBER | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $569 | — | $569 | 1.14% |
| DANE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $294 | — | $294 | 0.59% |
| FIRST FLIGHT MARKETING3 | 94 THISTLE BROOK PLACE THE WOODLANDS, TX 77382 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $225 | — | $225 | 0.45% |
| COMMONWEALTH MARKETING3 | 2001 ESE LOOP 323 TYLER, TX 75701 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $218 | — | $218 | 0.44% |
| JAMES SNOW3 Filed as: JAMES HOWELL | PO BOX 26085 MACON, GA 31221 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $206 | — | $206 | 0.41% |
| COLE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $182 | — | $182 | 0.36% |
| CHARLES AVERY3 | 2001 ESE LOOP 323 TYLER, TX 75701 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $116 | — | $116 | 0.23% |
| ROGER HARDIN3 | 578 237TH AVE DELMAR, IA 52037 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.09% |
| JESSE A WING3 Filed as: JESSE WING | 115 EAST PLATT MAQUOKETA, IA 52060 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.06% |
| UNITED SUPPLEMENTS3 | 8592 CORDES CIR GERMANTOWN, TN 38139 | MANHATTENLIFE ASSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $368K |
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 | 856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 722 | $217K |
| Dental | DELTA DENTAL | 779 | $555K |
| Vision | VISION SERVICE PLAN (VSP) | 665 | $80K |
| Other(2 contracts, 2 carriers) | AFLAC | 258 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.