| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER MIMS3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $24K | — | $24K | 3.91% |
| BENEFIT CONCEPTS, P.A.3 | 2321 COMMERCE STREET COLUMBUS, MS 39705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 14.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 4.97% |
| BENEFIT CONCEPTS, P.A.3 Filed as: BENEFIT CONCEPTS P A | 2321 COMMERCE STREET COLUMBUS, MS 39705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NY 07119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.99% |
| TIMOTHY A MASSEY3 | 262 LAKEOVER DRIVE WEST COLUMBUS, MS 39702 | AFLAC | $3K | $177 | $3K | 7.15% |
| BENEFIT CONCEPTS, P.A.3 Filed as: BENEFIT CONCEPTS P A | 2321 COMMERCE DRIVE COLUMBUS, MS 39705 | AFLAC | $2K | $167 | $2K | 6.32% |
| JOHN D GILLIAM3 | 2321 COMMERCE DRIVE COLUMBUS, MS 39705 | AFLAC | $1K | — | $1K | 3.57% |
| JOHN R BRASEL3 | 118 ALLYE AVENUE MOOREVILLE, MS 38857 | AFLAC | $468 | $35 | $503 | 1.34% |
| TERRIE J GILL3 | 40058 EASTER VALLEY ROAD GREENWOOD SPRINGS, MS 38848 | AFLAC | $449 | — | $449 | 1.20% |
| GINGER KAYE HARDY3 | 431 WEST MAIN STREET SUITE 410 TUPELO, MS 38804 | AFLAC | $404 | $41 | $445 | 1.19% |
| BENJAMIN J PIERCE3 | 5414 OLD WEST POINT ROAD COLUMBUS, MS 39701 | AFLAC | $361 | — | $361 | 0.96% |
| WILLIAM C ATKINS3 | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $249 | — | $249 | 0.67% |
| CHRISTOPHER S HARDY3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $123 | — | $123 | 0.33% |
| MIRANDA ANDREWS3 | 1305 LEE STREET TUPELO, MS 38804 | AFLAC | $22 | $7 | $29 | 0.08% |
| JOAN G OUTLAW3 | 50156 DAN TAYLOR ROAD ABERDEEN, MS 39730 | AFLAC | $2 | — | $2 | 0.01% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | 200 BROAD STREET LAGRANGE, GA 30240 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIFER LYNN MILAM3 | 701 WEST 3RD STREET IUKA, MS 38852 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTY W FISHER3 | 75 COUNTY ROAD 7461 BALDWYN, MS 38824 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | 2321 COMMERCE DRIVE COLUMBUS, MS 39705 | RESERVE NATIONAL INSURANCE COMPANY | $5K | — | $5K | 25.75% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | RESERVE NATIONAL INSURANCE COMPANY | $226 | — | $226 | 1.11% |
| AMERICAN BENEFITS BROKERAGE3 Filed as: AMERICAN BENEFITS BROKERAGE INC | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | RESERVE NATIONAL INSURANCE COMPANY | $177 | — | $177 | 0.87% |
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 | 236 | 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) | 236 | 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 | 199 | $610K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $101K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $101K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $137K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $137K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $137K |
| Other(4 contracts, 4 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 199 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.