| 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. | $12K | — | $12K | 1.49% |
| JOAN G OUTLAW3 | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | AFLAC | $5K | $334 | $5K | 13.38% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $714 | $56 | $770 | 2.10% |
| BRUCIE M. LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $259 | — | $259 | 0.71% |
| FRANCES T HILL3 | 122 HICKORY DRIVE WEST POINT, MS 39773 | AFLAC | $152 | — | $152 | 0.42% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $136 | — | $136 | 0.37% |
| LESLIE H SILTMAN3 | 207 MOORE DRIVE BATESVILLE, MS 38606 | AFLAC | $124 | — | $124 | 0.34% |
| LYON FINANCIAL & ASSOCIATES LLC3 Filed as: ED L LYON | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $80 | — | $80 | 0.22% |
| CHRISY W. FISHER3 | 104 W MAIN STREET BALDWYN, MS 38824 | AFLAC | $76 | — | $76 | 0.21% |
| KATHERINE LYON COMER3 | PO BOX 763 WEST POINT, MS 39773 | AFLAC | $62 | — | $62 | 0.17% |
| YVONNE G ROBINSON3 | 540 SCR 88 MIZE, MS 39116 | AFLAC | $51 | — | $51 | 0.14% |
| DAVID C HENRY3 | 36 ELM LN ECRU, MS 38841 | AFLAC | $32 | — | $32 | 0.09% |
| DK REEVES INC3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $31 | — | $31 | 0.08% |
| DREW L WHITTINGTON3 | P. O. BOX 658 NORTHPORT, AL 35476 | AFLAC | $25 | — | $25 | 0.07% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DRIVE PHILADELPHIA, MS 39350 | AFLAC | $24 | — | $24 | 0.07% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $18 | — | $18 | 0.05% |
| MILDRED A JOHNSON3 | 174 REYNARD DR TUPELO, MS 38801 | AFLAC | $18 | — | $18 | 0.05% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $16 | — | $16 | 0.04% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $16 | — | $16 | 0.04% |
| JAMES LENN WEEKS3 | 105 NOTTINGHAM LN COLUMBUS, MS 39705 | AFLAC | $15 | — | $15 | 0.04% |
| DENNIS L BRELAND3 | 1405 BAY RIDGE DRIVE GAUTIER, MS 39553 | AFLAC | $12 | — | $12 | 0.03% |
| RENESHIA S HOBSON3 | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $11 | — | $11 | 0.03% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $11 | — | $11 | 0.03% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 39305 | AFLAC | $11 | — | $11 | 0.03% |
| GREGORY J WEEKS3 | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $10 | — | $10 | 0.03% |
| JOY LOVERN3 | 11010 ROAD 387 PHILADELPHIA, MS 39350 | AFLAC | $9 | — | $9 | 0.02% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $9 | — | $9 | 0.02% |
| ANNA K STEWART3 | 105 PINETRAIL PL MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.02% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.02% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $6 | — | $6 | 0.02% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.01% |
| J DAVID BUTLER3 | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $3 | — | $3 | 0.01% |
| 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% |
| GCM INSURANCE AGENCY LLC3 | 2320 COMMERCE STREET P. O. BOX 9670 COLUMBUS, MS 39705 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.71% |
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 | 114 | 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) | 114 | 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. | 116 | $858K |
| Dental | AFLAC | 53 | $37K |
| Vision | AFLAC | 53 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $25K |
| Short-term disability | AFLAC | 53 | $37K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
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.