| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E. JOHNSON INSURANCE | SERVICE, INC PO BOX 87 LAUREL, MS 394410087 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 5.21% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3300 W ESPLANADE AVE S STE 205 METAIRIE, LA 700027415 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 2.45% |
| LACY JUANITA LOCKHART3 | 1655 PARKWOOD DR LAUREL, MS 39440 | AFLAC | $47K | $1K | $48K | 19.21% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39434 | AFLAC | $5K | $315 | $6K | 2.28% |
| SHANA LEIGH BYRD3 | 31 SASSER RD LAUREL, MS 39443 | AFLAC | $4K | $96 | $5K | 1.80% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN CV OCEAN SPRINGS, MS 39564 | AFLAC | $2K | $1 | $2K | 0.68% |
| KYMBERLY CAMILLIA JORDAN3 | 62 COUNTY ROAD 195 STRINGER, MS 39481 | AFLAC | $1K | — | $1K | 0.44% |
| MARK BUTLER INC3 | 171 AHERN DR BILOXI, MS 39530 | AFLAC | $666 | — | $666 | 0.26% |
| JOSEPH E PARKER JR3 | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $657 | — | $657 | 0.26% |
| DOROTHY WADE3 | 35 CHARLIE GREEN RD LOT 4 LAUREL, MS 39443 | AFLAC | $472 | $106 | $578 | 0.23% |
| JILLIAN C NELSON3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $522 | $30 | $552 | 0.22% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $443 | $1 | $444 | 0.18% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $390 | — | $390 | 0.15% |
| MICHELLE B RILEY3 | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $317 | — | $317 | 0.13% |
| MARK BUTLER INC3 | 204 BENACHI AVE BILOXI, MS 39530 | AFLAC | $258 | — | $258 | 0.10% |
| OSHANNA DOMANIQU SIMMONS3 | 1137 N 10TH AVE LAUREL, MS 39440 | AFLAC | $211 | — | $211 | 0.08% |
| THERESA JANE PITTMAN3 | 368 COUNTY ROAD 1612 LOUIN, MS 39338 | AFLAC | $192 | — | $192 | 0.08% |
| STALEXIUS DAVIS3 | 207 MITCHELL ST PETAL, MS 39465 | AFLAC | $90 | $46 | $136 | 0.05% |
| TAMMY FOX MATHIS3 | 1950 COUNTY ROAD 450 QUITMAN, MS 39355 | AFLAC | $55 | — | $55 | 0.02% |
| GWENDALYN G MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $47 | — | $47 | 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 | $38 | — | $38 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $35 | — | $35 | 0.01% |
| JONATHAN CRUISE BRISTOW3 | 907 N CHURCH ST ELLISVILLE, MS 39437 | AFLAC | $21 | — | $21 | 0.01% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 98118 | AFLAC | $16 | — | $16 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $11 | — | $11 | 0.00% |
| TRACY S KENDRICK3 | 70 GLEN CLINTON RD MATTIESBURG, MS 39401 | AFLAC | $6 | — | $6 | 0.00% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $6 | — | $6 | 0.00% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| PATRICK A MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $2 | — | $2 | 0.00% |
| RENESHIA S HOBSON3 | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.00% |
| JOSHUA L CLINE3 Filed as: JOSHUA L KLINE | 148 HUNTER TRL FLORENCE, MS 39073 | AFLAC | $0 | — | $0 | 0.00% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN D KEYS3 | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $0 | — | $0 | 0.00% |
| OLIVIA CHEEKS-GRIFFITHS3 | PO BOX 59638 JACKSON, MS 39284 | AFLAC | $0 | — | $0 | 0.00% |
| RICHARD TYLER AKERS3 | 4910 WAVERLY RD WEST POINT, MS 39773 | AFLAC | $0 | — | $0 | 0.00% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E. JOHNSON | INSURANCE SERVICES, INC 925 N 12TH AVE LAUREL, MS 39440 | AMFIRST | $7K | — | $7K | 10.01% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED D/B/A | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $4K | — | $4K | 5.00% |
| CLAYTON E JOHNSON INSURANCE3 | SERVICES, INC 925 N 12TH AVE LAUREL, MS 39440 | AMFIRST | $1K | — | $1K | 10.01% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED D/B/A | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $632 | — | $632 | 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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $925K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $925K |
| Life insurance | AFLAC | 387 | $252K |
| Short-term disability | AFLAC | 387 | $252K |
| Other(3 contracts, 2 carriers) | AFLAC | 387 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.