| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNKEY BENEFIT INSURANCE SERVICES3 Filed as: TURNKEY BENEFIT INSURANCE | — | DELTA DENTAL | $14K | — | $14K | 2.62% |
| KEY BENEFIT ADMINISTRATORS, INC5 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | LIBERTY INSURANCE UNDERWRITERS | $12K | — | $12K | 3.50% |
| MICHELLE B RILEY3 Filed as: MICHELLE RILEY | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $11K | $570 | $11K | 8.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVE STE 1200 BIRMINGHAM, AL 35203 | AFLAC | $5K | — | $5K | 3.91% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN LLC | P.O. BOX 263 MERIDIAN, MS 39302 | AFLAC | $2K | — | $2K | 1.50% |
| V L MONTGOMERY INC3 | 6373 RED OAK DRIVE BAILEY, MS 39320 | AFLAC | $1K | — | $1K | 0.93% |
| J NELSON LLC3 | 110 MESSEMORE ROAD ELLISVILLE, MS 39437 | AFLAC | $643 | $105 | $748 | 0.54% |
| BARBARA WILLIAMS3 | 29 WAVERLY CT HATTIESBURG, MS 39402 | AFLAC | $688 | — | $688 | 0.49% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $459 | $106 | $565 | 0.40% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN LLC | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 13.67% |
| MICHELLE B RILEY3 Filed as: MICHELLE MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.38% |
| MICHELLE B RILEY3 Filed as: MICHELLE MURPHY | P.O. BOX 263 MERIDIAN, MS 39302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVE N BIRMINGHAM, AL 35203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.17% |
| V L MONTGOMERY INC3 | 6373 RED OAK DRIVE BAILEY, MS 39320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | — | $503 | 0.39% |
| BARBARA WILLIAMS3 | 29 WAVERLY CT HATTIESBURG, MS 39402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 0.20% |
| L CHRIS LINK3 Filed as: CHRIS LEVERN | 109 MILLCREEK CORNERS STE D BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.16% |
| J NELSON LLC3 | 69 BIENVILLE TRACE HATTIESBURG, MS 39402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.15% |
| E INGRAM INC3 | 501 COBBLE ST ONE CT MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.11% |
| CHRISTIE MARZARI3 | 601 CRESCENT BLVD STE 102 JACKSON, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.08% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AV MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $10K | — | $10K | 10.00% |
| 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 | $3K | — | $3K | 3.00% |
| EDWIN DEREK PEARCE3 Filed as: EDWIN PEARCE | 623 PICKETTS MILL DR SHREVEPORT, MS 71115 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $1K | — | $1K | 1.53% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $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 | $966 | — | $966 | 1.00% |
| KEY BENEFIT ADMINISTRATORS, INC5 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | EYEMED | $3K | — | $3K | 4.97% |
| FLEMING, ROBINSON, PARKER & GOFORTH3 | P.O. BOX 5634 MERIDIAN, MS 39302 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.95% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $622 | — | $622 | 1.33% |
| LOUISE BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $500 | — | $500 | 1.07% |
| DANE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $271 | — | $271 | 0.58% |
| FIRST FLIGHT MARKETING3 | 94 THISTLE BROOK PLACE THE WOODLANDS, TX 77382 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $245 | — | $245 | 0.52% |
| COMMONWEALTH MARKETING3 | 2001 ESE LOOP 323 TYLER, TX 75701 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $203 | — | $203 | 0.43% |
| JAMES SNOW3 Filed as: JAMES HOWELL | P.O. BOX 26085 MACON, GA 31221 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $191 | — | $191 | 0.41% |
| COLE PAPE3 | 115 EAST PLATT ST MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $167 | — | $167 | 0.36% |
| CHARLES AVERY3 | 2001 ESE LOOP 323 TYLER, TX 75701 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.18% |
| ROGER HARDIN3 | 578 237TH AVE DELMAR, IA 52037 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.09% |
| JESSE A WING3 Filed as: JESSE WING | 115 EAST PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MISSISSIPPI PHYSICIANS CARE NETWORK EIN 64-0844670 NONE | Contract Administrator Service code 13 | — | $58K |
| AMERICAN HEALTH DATA INSTITUTE NONE | Contract Administrator Service code 13 | — | $52K |
| FIRST HEALTH EIN 20-1736437 NONE | Contract Administrator Service code 13 | — | $31K |
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-8145036 NONE | Contract Administrator Service code 13 | — | $19K |
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 | 826 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | LIBERTY INSURANCE UNDERWRITERS | 826 | $511K |
| Dental | DELTA DENTAL | 1,528 | $546K |
| Vision | EYEMED | 1,232 | $68K |
| Other(2 contracts, 2 carriers) | AFLAC | 246 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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.