| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC3 | PO BOX 762 WEST POINT, MS 39773 | UNITED HEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 4.89% |
| KATHERINE LYON COMER | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $22K | $920 | $23K | 17.22% |
| WILLIAM C ATKINS | 123 1/2 E MAIN ST STARKVILLE, MS 39759 | AFLAC | $5K | $186 | $5K | 4.08% |
| HARDY INSURANCE INC Filed as: HARDY INSURANCE CO | PO BOX 872 TUPELO, MS 38802 | AFLAC | $3K | $186 | $4K | 2.76% |
| JOHN WILLIAMSON | 360 QUAIL RIDGE RD WEST POINT, MS 39773 | AFLAC | $3K | $12 | $3K | 2.60% |
| DK REEVES INC | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $405 | — | $405 | 0.31% |
| D AND V BUTLER INC | 801 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $368 | — | $368 | 0.28% |
| BENJAMIN J PIERCE Filed as: BENJAMIN PIERCE | 1813 PHILLIPS HILL RD COLUMBUS, MS 39702 | AFLAC | $336 | — | $336 | 0.26% |
| SANDRA K BASS VAVRUNEK | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $278 | — | $278 | 0.21% |
| GREGORY J WEEKS Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $167 | — | $167 | 0.13% |
| ARTHUR COLAVOLPE | 130 BENTGRASS CIR SALTILLO, MS 38866 | AFLAC | $116 | — | $116 | 0.09% |
| JAYNE A STALLINGS | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $114 | — | $114 | 0.09% |
| CYNTHIA LYON | 400 DOGWOOD DR WEST POINT, MS 39773 | AFLAC | $99 | — | $99 | 0.08% |
| GSL MARKETING INC | 14260 W NEWBERRY RD 336 NEWBERRY, FL 32669 | AFLAC | $82 | — | $82 | 0.06% |
| EDWARD G LYON | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $59 | — | $59 | 0.05% |
| MILDRED A JOHNSON | 174 REYNARD DRIVE TUPELO, MS 38801 | AFLAC | $58 | — | $58 | 0.04% |
| DANNY WILLARD AVERY | 314 KENNEL RD COLUMBUS, MS 39705 | AFLAC | $37 | — | $37 | 0.03% |
| BRUCIE M. LYON Filed as: BRUCIE LYON | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $23 | — | $23 | 0.02% |
| D P SMITH Filed as: D SMITH | PO BOX 16571 JACKSON, MS 39236 | AFLAC | $23 | — | $23 | 0.02% |
| ELLA OGLESBY | 10002 SUMMER WOODS CT MOBILE, AL 36695 | AFLAC | $16 | — | $16 | 0.01% |
| RANDALL D LADNER Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $8 | $7 | $15 | 0.01% |
| TASHA WILBURN DOZIER | 151 HIGHLAND RIDGE DR SALTILLO, MS 38866 | AFLAC | $13 | — | $13 | 0.01% |
| RICHARD BELL | PO BOX 3054 TUPELO, MS 38803 | AFLAC | $12 | — | $12 | 0.01% |
| CHRISTIE MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $4 | $7 | $11 | 0.01% |
| WILLIAM A BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $9 | — | $9 | 0.01% |
| PETER B WILKINSON JR Filed as: PETER WILKINSON JR | 8202 IOLA AVE STE 115 LUBBOCK, TX 79424 | AFLAC | $7 | — | $7 | 0.01% |
| GINGER KAYE HARDY Filed as: GINGER HARDY | PO BOX 872 TUPELO, MS 38802 | AFLAC | $4 | $3 | $7 | 0.01% |
| WILLIS TOWERS WATSON US LLC Filed as: SAMUEL WILLIS | 1020 N GLOSTER ST TUPELO, MS 38804 | AFLAC | $2 | $4 | $6 | 0.00% |
| JOSEPH MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $2 | $3 | $5 | 0.00% |
| VICKI M BUTLER Filed as: VICKI BUTLER | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $3 | — | $3 | 0.00% |
| GRETA R SIMMONS Filed as: GRETA SIMMONS | 4740 HIGHWAY 51 N APT 13-103 SOUTHAVEN, MS 38671 | AFLAC | $1 | $1 | $2 | 0.00% |
| ROBERT T GRIFFIN Filed as: ROBERT GRIFFIN | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 762 WEST POINT, MS 39773 | $63K |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 382 | $1.3M |
| Short-term disability | AFLAC | 221 | $131K |
| Other | AFLAC | 221 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.