| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER MIMS3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $24K | — | $24K | 2.68% |
| BENEFIT CONCEPTS, P.A.3 | 2321 COMMERCE STREET COLUMBUS, MS 39705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 9.62% |
| JOHN D GILLIAM3 | PO BOX 2505 COLUMBUS, MS 39704 | AFLAC | $4K | — | $4K | 12.04% |
| TIMOTHY A MASSEY3 | 262 LAKEOVER DRIVE WEST COLUMBUS, MS 39702 | AFLAC | $3K | $84 | $3K | 10.00% |
| TERRIE J GILL3 | 447 WILKINS WISE ROAD COLUMBUS, MS 39705 | AFLAC | $977 | $33 | $1K | 3.31% |
| BENJAMIN J PIERCE3 | 78 MILL ROAD COLUMBUS, MS 39702 | AFLAC | $674 | $84 | $758 | 2.49% |
| WILLIAM C ATKINS3 | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $388 | $33 | $421 | 1.38% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $147 | — | $147 | 0.48% |
| GINGER KAYE HARDY3 | 1105 WEST JACKSON STREET TUPELO, MS 38804 | AFLAC | $11 | — | $11 | 0.04% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 152 | $884K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $147K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $147K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $147K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $147K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $147K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.