| 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 | $14K | — | $14K | 2.50% |
| KEY BENEFIT ADMINISTRATORS, INC5 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | LIBERTY INSURANCE UNDERWRITERS | $11K | — | $11K | 3.50% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $14K | — | $14K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP, INC | P.O. BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $4K | — | $4K | 3.00% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $2K | — | $2K | 1.53% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $2K | — | $2K | 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 INS. CO OF PITTSBURG, PA | $1K | — | $1K | 1.00% |
| MICHELLE B RILEY3 Filed as: MICHELLE RILEY | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $9K | $168 | $9K | 7.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, IL 35203 | AFLAC | $4K | — | $4K | 3.40% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN LLC | P.O. BOX 263 MERIDIAN, MS 39302 | AFLAC | $3K | — | $3K | 2.60% |
| V L MONTGOMERY INC3 | 6373 RED OAK DR BAILEY, MS 39320 | AFLAC | $1K | $20 | $1K | 0.92% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $556 | $44 | $600 | 0.50% |
| BARBARA WILLIAMS3 Filed as: BARBARA WILLIAMS INC | 29 WAVERLY CT HATTIESBURG, MS 39402 | AFLAC | $547 | — | $547 | 0.46% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $262 | — | $262 | 0.22% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $230 | — | $230 | 0.19% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $114 | — | $114 | 0.09% |
| CHRISTIE MARZARI3 | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $114 | — | $114 | 0.09% |
| VAL MONTGOMERY3 | 6373 RED OAK DR BAILEY, MS 39320 | AFLAC | $111 | — | $111 | 0.09% |
| JILLIAN C NELSON3 Filed as: JILLIAN NELSON | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $74 | — | $74 | 0.06% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 891 HARREL DR WEST POINT, MS 39773 | AFLAC | $74 | — | $74 | 0.06% |
| CHRISTOPHER S HARDY3 Filed as: CHRISTOPHER HARDY | 113 CLARK ST STE 3 TUPELO, MS 38804 | AFLAC | $65 | — | $65 | 0.05% |
| TANYA R SKIPPER3 Filed as: TANYA SKIPPER | 915 BEAT 4 SHUBUTA ROAD SHUBUTA, MS 39360 | AFLAC | $61 | — | $61 | 0.05% |
| RICHARD TYLER AKERS3 Filed as: RICHARD AKERS | 4190 WAVERLY ROAD WEST POINT, MS 39773 | AFLAC | $56 | — | $56 | 0.05% |
| MICHAEL R MEREDITH3 Filed as: MICHAEL MEREDITH | 11921 ROYCE WATERFORD CIR TAMPA, FL 33626 | AFLAC | $31 | — | $31 | 0.03% |
| ROBERT LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $28 | — | $28 | 0.02% |
| ANITA WARE3 | 2881A WIRE RD E PERKINSTON, MS 39573 | AFLAC | $25 | — | $25 | 0.02% |
| TAMMY FOX MATHIS3 Filed as: TAMMY MATHIS | 1950 COUNTY ROAD 450 QUITMAN, MS 39355 | AFLAC | $21 | — | $21 | 0.02% |
| ROBERT LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $19 | — | $19 | 0.02% |
| MATTHEW SWAIN3 | 843 SLADE ROAD PURVIS, MS 39475 | AFLAC | $14 | — | $14 | 0.01% |
| WAYNE C KIM3 Filed as: WAYNE KIM | 15043 SAGEWOOD ST GULFPORT, MS 39503 | AFLAC | $13 | — | $13 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $9 | — | $9 | 0.01% |
| MARK BUTLER INC3 | 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 | $7 | — | $7 | 0.01% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $2 | — | $2 | 0.00% |
| PAUL SHELBY AMOS II3 Filed as: PAUL AMOS II | 6801 RIVER RD STE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $1 | — | $1 | 0.00% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.00% |
| KEY BENEFIT ADMINISTRATORS, INC5 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | EYEMED VISION CARE | $3K | — | $3K | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-8145036 NONE | Contract Administrator Service code 13 | — | $192K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator Service code 13 | — | $80K |
| MISSISSIPPI PHYSICIANS CARE NETWORK EIN 64-0844670 NONE | Contract Administrator Service code 13 | — | $55K |
| FIRST HEALTH EIN 20-1736437 NONE | Contract Administrator Service code 13 | — | $29K |
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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIBERTY INSURANCE UNDERWRITERS | 793 | $316K |
| Dental | DELTA DENTAL | 1,451 | $558K |
| Vision | EYEMED VISION CARE | 1,184 | $74K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | 225 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,451 | — |
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.