| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA L CLINE3 Filed as: JOSHUA L. CLINE | 349 BOTELER ROAD FLORENCE, MS 39073 | AFLAC | $19K | $787 | $20K | 12.51% |
| MJ INSURANCE3 Filed as: JONATHAN OLSEN AND VARIOUS AGENTS | 708 SARAZEN DRIVE GULFPORT, MS 39507 | AFLAC | $5K | $287 | $6K | 3.52% |
| RICHARD TYLER AKERS3 | 4190 WAVERLY ROAD WEST POINT, MS 39773 | AFLAC | $4K | $106 | $4K | 2.60% |
| CHRISTIAN ANDRE LEVERN3 | 109 MILLCREEK CORNERS, SUITE D BRANDON, MS 39047 | AFLAC | $2K | $152 | $2K | 1.44% |
| AON CONSULTING INC3 Filed as: C HEWITT, INC. | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $1K | $115 | $1K | 0.89% |
| CHARLES DAVID BRAY3 | 2606 ROXANNE DRIVE PEARL, MS 39208 | AFLAC | $1K | $16 | $1K | 0.71% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $790 | $0 | $790 | 0.50% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 264 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.