| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLAYTON E JOHNSON INSURANCE3 | SERVICE, INC PO BOX 87 LAUREL, MS 394410087 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 5.37% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3900 N CAUSEWAY BLVD STE 1042 METAIRIE, LA 700027285 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 1.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC LA | 3850 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 700028114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.28% |
| LACY JUANITA LOCKHART3 | 1655 PARKWOOD DR LAUREL, MS 39440 | AFLAC | $44K | $1K | $46K | 16.32% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $7K | $378 | $7K | 2.50% |
| MICHELLE LEE MCDONALD3 | 20 MAYFIELD RD COLLINS, MS 39428 | AFLAC | $4K | $612 | $5K | 1.61% |
| MADISON STALEY3 | 10604 WREN GRV GULFPORT, MS 39503 | AFLAC | $909 | — | $909 | 0.32% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN CV OCEAN SPRINGS, MS 39564 | AFLAC | $870 | — | $870 | 0.31% |
| MICHEAL ANDREW PETTY3 | 205 PECAN TER PETAL, MS 39465 | AFLAC | $446 | $339 | $785 | 0.28% |
| STEPHENIE N JOHNSON3 | 75 E WESLEY DR NEWTON, MS 39345 | AFLAC | $723 | — | $723 | 0.26% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $591 | — | $591 | 0.21% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $479 | — | $479 | 0.17% |
| JILLIAN C NELSON3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $256 | $11 | $267 | 0.10% |
| NICOLE R HUFFMAN3 | 641 SUFFOLK RD JOHNSON CITY, TN 37615 | AFLAC | $258 | — | $258 | 0.09% |
| MICHELLE B RILEY3 | 3558 OLD HIGHWAY 19 SE MERIDIAN, MS 39301 | AFLAC | $254 | — | $254 | 0.09% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $243 | — | $243 | 0.09% |
| THERESA JANE PITTMAN3 | 368 COUNTY ROAD 1612 LOUIN, MS 39338 | AFLAC | $185 | — | $185 | 0.07% |
| LINDSEY MARIE DUFEK3 Filed as: LINDSEY M DUFEK LLC | 1009 PELICAN CV OCEAN SPRINGS, MS 39564 | AFLAC | $149 | — | $149 | 0.05% |
| DOROTHY WADE3 | 35 CHARLIE GREEN RD LOT 4 LAUREL, MS 39443 | AFLAC | $69 | — | $69 | 0.02% |
| GWENDALYN G MCCOOL3 | 51 LAKE RDG LUMBERTON, MS 39455 | AFLAC | $45 | — | $45 | 0.02% |
| TAMMY FOX MATHIS3 | 1950 COUNTY ROAD 450 QUITMAN, MS 39355 | AFLAC | $40 | — | $40 | 0.01% |
| TWIGGY N FALL3 | PO BOX 422 1476 WILLOW ST SANDERSVILLE, MS 39477 | AFLAC | $35 | — | $35 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $33 | — | $33 | 0.01% |
| RANDALL D LADNER3 | 18 53RD CIR GULFPORT, MS 39507 | AFLAC | $28 | — | $28 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $8 | — | $8 | 0.00% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 98118 | AFLAC | $7 | — | $7 | 0.00% |
| TRACY S KENDRICK3 | 70 GLEN CLINTON RD HATTIESBURG, 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 | $4 | — | $4 | 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% |
| CLAYTON E JOHNSON INSURANCE3 | SERVICES INC PO BOX 87 LAUREL, MS 394410087 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.93% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 346 | $311K |
| Short-term disability | AFLAC | 346 | $280K |
| Other(2 contracts, 2 carriers) | AFLAC | 346 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.