| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY THORNTON3 Filed as: GARY WEST, CLAYTON E JOHNSON INS SE | 925 N 12TH AVE LAUREL, MS 39440 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $25K | — | $25K | 3.05% |
| LACY JUANITA LOCKHART3 | 1655 PARKWOOD DR LAUREL, MS 39440 | AFLAC | $34K | $2K | $35K | 16.66% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN CV OCEAN SPRINGS, MA 39564 | AFLAC | $7K | $325 | $7K | 3.45% |
| NICOLE R HUFFMAN3 | 1907 PASS RD STE A BILOXI, MA 39531 | AFLAC | $3K | — | $3K | 1.49% |
| MARK BUTLER INC3 | 13155 SHRINERS BLVD STE A BILOXI, MS 39532 | AFLAC | $2K | $331 | $2K | 1.11% |
| JOSEPH E PARKER JR3 | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $906 | — | $906 | 0.43% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $785 | — | $785 | 0.37% |
| MICHELLE B RILEY3 Filed as: MICHELLE B MURPHY | PO BOX 263 MERIDIAN, MA 39302 | AFLAC | $476 | — | $476 | 0.23% |
| THERESA JANE PITTMAN3 | 368 COUNTY ROAD 1612 LOUIN, MS 39338 | AFLAC | $226 | — | $226 | 0.11% |
| TAMMY FOX MATHIS3 | 1950 COUNTY ROAD 450 QUITMAN, MS 39355 | AFLAC | $93 | — | $93 | 0.04% |
| WESLEY RYAN LANE3 | 1961 FEARN CT BILOXI, MS 39355 | AFLAC | $89 | — | $89 | 0.04% |
| ADDIE MAE BURKS3 | 250 SCR 581B RALEIGH, MS 39153 | AFLAC | $60 | — | $60 | 0.03% |
| GWENDALYN G MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $56 | — | $56 | 0.03% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $55 | — | $55 | 0.03% |
| RANDALL D LADNER3 | 6 REENBRIAR DR GULFPORT, MS 39507 | AFLAC | $52 | — | $52 | 0.02% |
| TWIGGY N FALL3 | PO BOX 422 1476 WILLOW ST SANDERSVILLE, MS 39477 | AFLAC | $50 | — | $50 | 0.02% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $38 | — | $38 | 0.02% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 98118 | AFLAC | $34 | — | $34 | 0.02% |
| NICOLE L CARLSON3 | 217 PINEWOOD DR HATTIESBURG, MS 39402 | AFLAC | $22 | — | $22 | 0.01% |
| AUBRIE MICHELLE LANE3 | 13155 SHRINERS BLVD STE A BILOXI, MS 39532 | AFLAC | $22 | — | $22 | 0.01% |
| J DAVID BUTLER3 Filed as: DAVID J BUTLER | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $18 | — | $18 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $17 | — | $17 | 0.01% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $11 | — | $11 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.00% |
| SARAH Y ZACCARO3 | PO BOX 91531 MOBILE, AL 36691 | AFLAC | $7 | — | $7 | 0.00% |
| TRACY S KENDRICK3 | 70 GLEN CLINTON RD MATTIESBURG, MA 39401 | AFLAC | $6 | — | $6 | 0.00% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MA 39110 | AFLAC | $4 | — | $4 | 0.00% |
| ALLISON ELIZABET SMITH3 | 7121 OAK COVE DR BILOXI, MS 39532 | AFLAC | $4 | — | $4 | 0.00% |
| ALLEN MOORMAN AGENCY INC3 | 1621 RUGGED TRL MIDLOTHIAN, TN 76065 | AFLAC | $3 | — | $3 | 0.00% |
| RENESHIA S HOBSON3 | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.00% |
| WAYNE C KIM3 | 15043 SAGEWOOD ST GULFPORT, MS 39503 | AFLAC | $2 | — | $2 | 0.00% |
| PATRICK A MCCOOL3 | 51 ALEK RDG LUMBERTON, MS 39455 | AFLAC | $2 | — | $2 | 0.00% |
| JOSHUA L CLINE3 | 349 BOTELER RD FLORENCE, MS 39073 | AFLAC | $1 | — | $1 | 0.00% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN D KEYS3 | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.00% |
| OLIVIA CHEEKS-GRIFFITHS3 | PO BOX 59638 JACKSON, MS 39284 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD TYLER AKERS3 | 109 MILL CREEK CORS BRANDON, MS 39047 | AFLAC | $1 | — | $1 | 0.00% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INSURANCE SERVICE | 925 N 12TH AVE LAUREL, MS 39440 | AMFIRST | $7K | — | $7K | 10.01% |
| MWL3 | PO BOX 14067 JACKSON, MA 392364067 | AMFIRST | $4K | — | $4K | 5.00% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SERVICES | PO BOX 87 LAUREL, MS 39441 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 149 | $883K |
| Dental(2 contracts, 2 carriers) | AFLAC | 382 | $268K |
| Vision(2 contracts, 2 carriers) | AFLAC | 382 | $268K |
| Life insurance | AFLAC | 382 | $211K |
| Short-term disability | AFLAC | 382 | $211K |
| Other | AFLAC | 382 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.