| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER MIMS3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $23K | — | $23K | 2.69% |
| BENEFIT CONCEPTS, P.A.3 | 2321 COMMERCE STREET COLUMBUS, MS 39705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 14.70% |
| JOHN D GILLIAM3 | 2321 COMMERCE DRIVE COLUMBUS, MS 39705 | AFLAC | $2K | — | $2K | 6.18% |
| TIMOTHY A MASSEY3 | 262 LAKEOVER DRIVE WEST COLUMBUS, MS 39702 | AFLAC | $2K | $506 | $2K | 5.83% |
| TERRIE J GILL3 | 447 WILKINS WISE ROAD COLUMBUS, MS 39705 | AFLAC | $843 | $116 | $959 | 2.47% |
| BENJAMIN J PIERCE3 | 78 MILL ROAD COLUMBUS, MS 39702 | AFLAC | $767 | $3 | $770 | 1.99% |
| WILLIAM C ATKINS3 | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $249 | $116 | $365 | 0.94% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $170 | — | $170 | 0.44% |
| BENJAMIN J PIERCE3 | 5414 OLD WEST POINT ROAD COLUMBUS, MS 39701 | AFLAC | $71 | — | $71 | 0.18% |
| GINGER KAYE HARDY3 | PO BOX 2532 TUPELO, MS 38803 | AFLAC | $63 | $4 | $67 | 0.17% |
| JOHN R BRASEL3 | 118 ALLYE AVENUE MOOREVILLE, MS 38857 | AFLAC | $2 | — | $2 | 0.01% |
| MIRANDA ANDREWS3 | 1307 LUMPKIN AVENUE TUPELO, MS 38801 | AFLAC | $2 | — | $2 | 0.01% |
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 | 118 | 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) | 118 | 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 | 160 | $865K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $192K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $192K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $192K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $192K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $192K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.