| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA L CLINE3 Filed as: JOSHUA L. CLINE | 349 BOTELLER ROAD FLORENCE, MS 39073 | AFLAC | $12K | $159 | $12K | 6.67% |
| JOSHUA L CLINE3 Filed as: JOSHUA L. CLINE | 148 HUNTER TRAIL FLORENCE, MS 39073 | AFLAC | $11K | $22 | $11K | 5.93% |
| LYNWOOD ANTHONY KANE3 | 2182 QUAL HL BRANDON, MS 39042 | AFLAC | $6K | $10 | $6K | 3.34% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $5K | $45 | $5K | 2.52% |
| AON CONSULTING INC3 Filed as: C. HEWITT INC. AND OTHER AGENTS | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $3K | $0 | $3K | 1.69% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD, SUITE D BRANDON, MS 39047 | AFLAC | $3K | $45 | $3K | 1.53% |
| CHARLES DAVID BRAY3 | 1044 WEST SIXTH STREET WESSON, MS 39191 | AFLAC | $724 | $0 | $724 | 0.39% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 269 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.