| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE CHANDLER IV3 | 610 COMMERCE STREET WEST POINT, MS 39773 | BLUE CROSS BLUE SHIELD OF MS, INC. | $14K | — | $14K | 1.35% |
| GCM INSURANCE AGENCY LLC3 | 2320 COMMERCE STREET P. O. BOX 9670 COLUMBUS, MS 39705 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 11.30% |
| JOAN G OUTLAW3 | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | AFLAC | $3K | $146 | $3K | 9.50% |
| KRISTI H BUSKIRK3 | 1015 DOGWOOD CV NEW ALBANY, MS 38652 | AFLAC | $238 | $30 | $268 | 0.88% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $267 | — | $267 | 0.88% |
| GINGER KAYE HARDY3 | 431 W MAIN ST STE 410 TUPELO, MS 38804 | AFLAC | $231 | $30 | $261 | 0.86% |
| BRUCIE M. LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $215 | — | $215 | 0.71% |
| JOHN R BRASEL Filed as: JOHN BRASEL | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $132 | — | $132 | 0.44% |
| MICHELLE B RILEY3 | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $67 | — | $67 | 0.22% |
| CHRISTOPHER S HARDY3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $63 | — | $63 | 0.21% |
| BENEFITS BY DESIGN INC Filed as: BENEFITS BY DESIGN | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $60 | — | $60 | 0.20% |
| LYON FINANCIAL & ASSOCIATES LLC3 Filed as: ED L LYON | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $57 | — | $57 | 0.19% |
| JENNIFER LYNN MILAM3 | 701 W 3RD ST IUKA, MS 38852 | AFLAC | $55 | — | $55 | 0.18% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 75 COUNTY ROAD 7461 BALDWYN, MS 38824 | AFLAC | $44 | — | $44 | 0.15% |
| YVONNE G ROBINSON3 | 540 SCR 88 MIZE, MS 39116 | AFLAC | $26 | — | $26 | 0.09% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DRIVE PHILADELPHIA, MS 39350 | AFLAC | $24 | — | $24 | 0.08% |
| AMANDA B TUTOR | 1009 COUNTY ROAD 821 SALTILLO, MS 38866 | AFLAC | $22 | — | $22 | 0.07% |
| DAVID C HENRY3 | 36 ELM LN ECRU, MS 38841 | AFLAC | $19 | — | $19 | 0.06% |
| MILDRED A JOHNSON3 | 174 REYNARD DR TUPELO, MS 38801 | AFLAC | $18 | — | $18 | 0.06% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $16 | — | $16 | 0.05% |
| KATHERINE LYON COMER3 | PO BOX 763 WEST POINT, MS 39773 | AFLAC | $15 | — | $15 | 0.05% |
| V L MONTGOMERY INC3 | 6373 RED OAK DR BAILEY, MS 39320 | AFLAC | $13 | — | $13 | 0.04% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $9 | — | $9 | 0.03% |
| JOY LOVERN3 | 11010 ROAD 387 PHILADELPHIA, MS 39350 | AFLAC | $9 | — | $9 | 0.03% |
| J NELSON LLC | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $8 | — | $8 | 0.03% |
| DENNIS L BRELAND3 | 1405 BAY RIDGE DRIVE GAUTIER, MS 39553 | AFLAC | $8 | — | $8 | 0.03% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $8 | — | $8 | 0.03% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.02% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $6 | — | $6 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $6 | — | $6 | 0.02% |
| GREGORY J WEEKS3 | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTIAN ANDRE LEVERN Filed as: CHRISTIAN ANDREW LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $5 | — | $5 | 0.02% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $3 | — | $3 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $1 | — | $1 | 0.00% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MS, INC. | 126 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $113K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $113K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $82K |
| Short-term disability | AFLAC | 47 | $30K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.