| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE MCKINNEY3 | 610 COMMERCE STREET WEST POINT, MS 39773 | BLUE CROSS BLUE SHIELD OF MS, INC. | $13K | — | $13K | 2.13% |
| JOAN G OUTLAW3 | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | AFLAC | $2K | $156 | $2K | 8.29% |
| WILLIAM C ATKINS3 Filed as: WILLIAM C. ATKINS | 123 1/2 E MAIN STREET STARKVILLE, MS 39759 | AFLAC | $580 | $31 | $611 | 2.17% |
| BRUCIE M. LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $370 | — | $370 | 1.32% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $216 | $31 | $247 | 0.88% |
| KATHERINE LYON COMER3 | PO BOX 763 WEST POINT, MS 39773 | AFLAC | $197 | — | $197 | 0.70% |
| FRANCES T HILL3 | 122 HICKORY DRIVE WEST POINT, MS 39773 | AFLAC | $187 | — | $187 | 0.67% |
| LESLIE H SILTMAN3 | 207 MOORE DRIVE BATESVILLE, MS 38606 | AFLAC | $155 | — | $155 | 0.55% |
| LYON FINANCIAL & ASSOCIATES LLC3 Filed as: ED L LYON | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $80 | — | $80 | 0.28% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $61 | — | $61 | 0.22% |
| YVONNE G ROBINSON3 | 540 SCR 88 MIZE, MS 39116 | AFLAC | $52 | — | $52 | 0.18% |
| DAVID C HENRY3 | 373 BELFONTAINE STREET HOUSTON, MS 38851 | AFLAC | $45 | — | $45 | 0.16% |
| ROBERT L BRIDGES3 Filed as: ROBERT L. BRIDGES | 5515 APACHE RIDGE ROAD MERIDIAN, MS 39305 | AFLAC | $40 | — | $40 | 0.14% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 39305 | AFLAC | $32 | — | $32 | 0.11% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $29 | — | $29 | 0.10% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DRIVE PHILADELPHIA, MS 39350 | AFLAC | $24 | — | $24 | 0.09% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $18 | — | $18 | 0.06% |
| MILDRED A JOHNSON3 | 174 REYNARD DR TUPELO, MS 38801 | AFLAC | $18 | — | $18 | 0.06% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $16 | — | $16 | 0.06% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $15 | — | $15 | 0.05% |
| D P SMITH3 | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $15 | — | $15 | 0.05% |
| GREGORY J WEEKS3 | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $13 | — | $13 | 0.05% |
| DK REEVES INC3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $12 | — | $12 | 0.04% |
| DENNIS L BRELAND3 | 6600 WOODED ACRES ROAD VANCLEAVE, MS 39565 | AFLAC | $12 | — | $12 | 0.04% |
| RENESHIA S HOBSON3 | 716 FOREST WOODS DR BYRAM, MS 39272 | AFLAC | $11 | — | $11 | 0.04% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY RD WEST POINT, MS 39773 | AFLAC | $11 | — | $11 | 0.04% |
| BARBARA WILLIAMS3 Filed as: BARBARA J WILLIAMS | 7533 FORREST DR MERIDIAN, MS 39305 | AFLAC | $11 | — | $11 | 0.04% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $11 | — | $11 | 0.04% |
| EDWARD G LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $11 | — | $11 | 0.04% |
| JAMES V HEMPHILL IV3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $11 | — | $11 | 0.04% |
| ANNA K STEWART3 | 226 CLARK FARMS RD MADISON, MS 39110 | AFLAC | $10 | — | $10 | 0.04% |
| JOY LOVERN3 | 11010 ROAD 387 PHILADELPHIA, MS 39350 | AFLAC | $9 | — | $9 | 0.03% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $9 | — | $9 | 0.03% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.02% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| GCM INSURANCE AGENCY LLC3 Filed as: GCM INSURANCE AGENCY, LLC | P O BOX 9670 COLUMBUS, MS 39705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.70% |
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 | 116 | 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) | 116 | 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 | $643K |
| Dental | AFLAC | 47 | $28K |
| Vision | AFLAC | 47 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $19K |
| Short-term disability | AFLAC | 47 | $28K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.