| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM MCNAMARA3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $25K | — | $25K | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED(L | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $12 | $20K | $20K | 5.04% |
| LYON FINANCIAL & ASSOCIATES LLC3 | PO BOX 762 WEST POINT, MS 39773 | UNITED HEALTHCARE INSURANCE COMPANY | — | -$10 | -$10 | -0.00% |
| KATHERINE LYON COMER3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $15K | $296 | $15K | 13.62% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $2K | — | $2K | 1.68% |
| GINGER KAYE HARDY3 | 431 W MAIN ST STE 410 TUPELO, MS 38804 | AFLAC | $2K | $69 | $2K | 1.66% |
| JOHN R BRASEL3 | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $1K | $69 | $1K | 1.01% |
| ANNA THOMPSON3 | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $754 | — | $754 | 0.69% |
| CHRISTOPHER S HARDY3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $375 | — | $375 | 0.34% |
| BENJAMIN J PIERCE3 | 5414 OLD WEST POINT RD COLUMBUS, MS 39701 | AFLAC | $235 | — | $235 | 0.22% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $144 | — | $144 | 0.13% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $139 | — | $139 | 0.13% |
| ARTHUR COLAVOLPE3 Filed as: ARTHUR J COLAVOLPE | 130 BENTGRASS CIR SALTILLO, MS 38866 | AFLAC | $116 | — | $116 | 0.11% |
| TERRIE J GILL3 | 40058 EASTER VALLEY RD GREENWOOD SPRINGS, MS 38848 | AFLAC | $70 | — | $70 | 0.06% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $64 | — | $64 | 0.06% |
| EDWARD G LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $63 | — | $63 | 0.06% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $47 | — | $47 | 0.04% |
| MILDRED A JOHNSON3 | 119 ROSEDALE DR TUPELO, MS 38801 | AFLAC | $46 | — | $46 | 0.04% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $24 | — | $24 | 0.02% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $16 | — | $16 | 0.01% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $15 | — | $15 | 0.01% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $13 | — | $13 | 0.01% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $13 | — | $13 | 0.01% |
| CYNTHIA LYON3 | 400 DOGWOOD DR WEST POINT, MS 39773 | AFLAC | $12 | — | $12 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $10 | — | $10 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $10 | — | $10 | 0.01% |
| DANNY WILLARD AVERY3 | 314 KENNEL RD COLUMBUS, MS 39705 | AFLAC | $8 | — | $8 | 0.01% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $5 | — | $5 | 0.00% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT T GRIFFIN3 | 408 SAINT IVES DR MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH 300 | CONCOURSE BLVD. STE 300 RIDGELAND, MS 39157 | AMFIRST | $8K | — | $8K | 15.00% |
| WILLIAM MCNAMARA3 | — | AMFIRST | $3K | — | $3K | 5.00% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $3K | — | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.97% |
| KATHERINE D COMER3 | 800 WOODLANDS PKWY STE 203 RIDGELAND, MS 391575215 | PRINCIPAL LIFE INSURANCE COMPANY | $323 | — | $323 | 1.38% |
| ROGERS BENEFIT GROUP INC3 | 3300 W ESPLANADE AVE STE 205 METAIRIE, LA 700027415 | PRINCIPAL LIFE INSURANCE COMPANY | $161 | — | $161 | 0.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $80 | $80 | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 762 WEST POINT, MS 39773 | $15K |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 140 | $967K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $68K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $68K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $68K |
| Short-term disability | AFLAC | 129 | $109K |
| Other | AFLAC | 129 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.