| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC3 | PO BOX 762 WEST POINT, MS 39773 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $49K | $60K | 4.66% |
| KATHERINE COMER | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $24K | $895 | $25K | 15.56% |
| WILLIAM C ATKINS | 123 1/2 E MAIN ST STARKVILLE, MS 39759 | AFLAC | $5K | $183 | $5K | 3.15% |
| HARDY INSURANCE INC Filed as: HARDY INSURANCE CO | PO BOX 872 TUPELO, MS 38802 | AFLAC | $1K | $89 | $1K | 0.82% |
| DK REEVES INC | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $567 | $23 | $590 | 0.37% |
| BENJAMIN J PIERCE Filed as: BENJAMIN PIERCE | 1810 SEMINOLE DR COLUMBUS, MS 39705 | AFLAC | $326 | — | $326 | 0.21% |
| D AND V BUTLER INC | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $288 | — | $288 | 0.18% |
| JOHN WILLIAMSON | 360 QUAIL RIDGE RD WEST POINT, MS 39773 | AFLAC | $286 | — | $286 | 0.18% |
| SANDRA K BASS VAVRUNEK | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $257 | — | $257 | 0.16% |
| GREGORY J WEEKS Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $141 | — | $141 | 0.09% |
| ARTHUR COLAVOLPE | 130 BENTGRASS CIR SALTILLO, MS 38866 | AFLAC | $116 | — | $116 | 0.07% |
| JAYNE A STALLINGS | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $90 | — | $90 | 0.06% |
| GSL MARKETING INC | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $71 | — | $71 | 0.04% |
| EDWARD G LYON Filed as: EDWARD LYON | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $59 | — | $59 | 0.04% |
| MILDRED A JOHNSON | 174 REYNARD DRIVE TUPELO, MS 38801 | AFLAC | $58 | — | $58 | 0.04% |
| TERRIE J GILL Filed as: TERRIE GILL | PO BOX 9086 COLUMBUS, MS 39705 | AFLAC | $49 | $5 | $54 | 0.03% |
| RANDALL D LADNER Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $43 | — | $43 | 0.03% |
| PETER B WILKINSON JR Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $39 | — | $39 | 0.02% |
| CYNTHIA LYON | 400 DOGWOOD DR WEST POINT, MS 39773 | AFLAC | $36 | — | $36 | 0.02% |
| D P SMITH Filed as: D SMITH | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $27 | — | $27 | 0.02% |
| DANNY WILLARD AVERY Filed as: DANNY AVERY | 314 KENNEL RD COLUMBUS, MS 39705 | AFLAC | $23 | — | $23 | 0.01% |
| VICKI M BUTLER Filed as: VICKI BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $17 | — | $17 | 0.01% |
| ELLA OGLESBY | 2889 SOLLIE RD APT 816 MOBILE, AL 36695 | AFLAC | $16 | — | $16 | 0.01% |
| SHERRIE BUSKIRK | 1083 COUNTY ROAD 54 SHANNON, MS 38868 | AFLAC | $13 | $2 | $15 | 0.01% |
| CHRISTIE MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $15 | — | $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% |
| WILLIAM A BRIGGS Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.00% |
| ROBERT T GRIFFIN Filed as: ROBERT GRIFFIN | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $6 | — | $6 | 0.00% |
| MCDONALD PLUMMER III | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE COMER | P O BOX 762 WEST POINT, MS 39773 | COMPANION LIFE INSURANCE COMPANY | $10K | $3K | $13K | 12.20% |
| KATHERINE COMER | P O BOX 762 WEST POINT, MS 39773 | DAVIS VISION | $3K | — | $3K | 10.02% |
| MWL | P O BOX 14067 JACKSON, MS 392364067 | DAVIS VISION | $2K | — | $2K | 9.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 762 WEST POINT, MS 39773 | $49K |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 402 | $1.4M |
| Vision | DAVIS VISION | 185 | $27K |
| Short-term disability | AFLAC | 205 | $158K |
| Other | AFLAC | 205 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.