| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY L THORNTON3 Filed as: GARY WEST II, CLAYTON E. JOHNSON | INSURANCE SERVICES, INC PO BOX 87 LAUREL, MS 39441 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $25K | — | $25K | 3.11% |
| LACY JUANITA LOCKHART3 | 1655 PARKWOOD DR LAUREL, MS 39440 | AFLAC | $45K | $1K | $46K | 20.29% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39434 | AFLAC | $4K | $38 | $4K | 1.86% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN CV OCEAN SPRINGS, MS 39564 | AFLAC | $3K | $331 | $3K | 1.41% |
| DOROTHY WADE3 | 35 CHARLIE GREEN RD LOT 4 LAUREL, MS 39443 | AFLAC | $3K | — | $3K | 1.27% |
| NICOLE R HUFFMAN3 | 215 PENDELTON ST STE 203 WAYCROSS, GA 31501 | AFLAC | $1K | $331 | $1K | 0.62% |
| MARK BUTLER INC3 | 204 BENACHI AVE BILOXI, MS 39530 | AFLAC | $1K | — | $1K | 0.50% |
| STALEXIUS DAVIS3 | 207 MITCHELL ST PETAL, MS 39465 | AFLAC | $799 | — | $799 | 0.35% |
| JOSEPH E PARKER JR3 | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $667 | — | $667 | 0.29% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $548 | — | $548 | 0.24% |
| JILLIAN C NELSON3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $441 | — | $441 | 0.19% |
| MICHELLE B RILEY3 | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $346 | — | $346 | 0.15% |
| THERESA JANE PITTMAN3 | 368 COUNTY ROAD 1612 LOUIN, MS 39338 | AFLAC | $197 | — | $197 | 0.09% |
| JONATHAN CRUISE BRISTOW3 | 907 N CHURCH ST ELLISVILLE, MS 39437 | AFLAC | $138 | — | $138 | 0.06% |
| MARY DEWARM MYLES3 | 24 HUNTER LN B HATTIESBURG, MS 39402 | AFLAC | $109 | — | $109 | 0.05% |
| JOSEPH E PARKER JR3 | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $69 | — | $69 | 0.03% |
| TAMMY FOX MATHIS3 | 1950 COUNTY ROAD 450 QUITMAN, MS 39355 | AFLAC | $57 | — | $57 | 0.02% |
| GWENDALYN G MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $49 | — | $49 | 0.02% |
| TWIGGY N FALL3 | PO BOX 422 1476 WILLOW ST SANDERSVILLE, MS 39477 | AFLAC | $44 | — | $44 | 0.02% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $42 | — | $42 | 0.02% |
| ADDIE MAE BURKS3 | 250 SCR 581B RALEIGH, MS 39153 | AFLAC | $41 | — | $41 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $39 | — | $39 | 0.02% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 98118 | AFLAC | $27 | — | $27 | 0.01% |
| NICOLE L CARLSON3 | 217 PINEWOOD DR HATTIESBURG, MS 39402 | AFLAC | $15 | — | $15 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $14 | — | $14 | 0.01% |
| WESLEY RYAN LANE3 | 1961 FEARN CT BILOXI, MS 39532 | AFLAC | $9 | — | $9 | 0.00% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.00% |
| TRACY S KENDRICK3 | 70 GLEN CLINTON RD MATTIESBURG, MS 39401 | AFLAC | $6 | — | $6 | 0.00% |
| RENESHIA S HOBSON3 | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.00% |
| WESLEY RYAN LANE3 | 6018 W POTTER DR GLENDALE, AZ 85308 | AFLAC | $5 | — | $5 | 0.00% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.00% |
| AUBRIE MICHELLE LANE3 | 6018 W POTTER DR GLENDALE, AZ 85308 | AFLAC | $4 | — | $4 | 0.00% |
| PATRICK A MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $2 | — | $2 | 0.00% |
| JOSHUA L CLINE3 | 349 BOTELER RD FLORENCE, MS 39073 | AFLAC | $2 | — | $2 | 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 SERVICES, INC PO BOX 87 LAUREL, MS 39441 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GARY THORNTON3 Filed as: GARY WEST, CLAYTON E JOHNSON | INSURANCE SERVICES, INC 925 N 12TH AVE LAUREL, MS 39440 | AMFIRST | $2K | — | $2K | 10.01% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED D/B/A | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $913 | — | $913 | 5.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 371 | $1.1M |
| Dental(2 contracts, 2 carriers) | AFLAC | 371 | $272K |
| Vision(2 contracts, 2 carriers) | AFLAC | 371 | $272K |
| Life insurance | AFLAC | 371 | $228K |
| Short-term disability | AFLAC | 371 | $228K |
| Other | AFLAC | 371 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.