| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC3 | PO BOX 762 WEST POINT, MS 39773 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $50K | $55K | 4.99% |
| KATHERINE COMER3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $20K | $879 | $21K | 15.20% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $3K | $180 | $3K | 2.32% |
| TERRIE J GILL3 | 447 WILKINS WISE RD COLUMBUS, MS 39705 | AFLAC | $2K | $128 | $2K | 1.77% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE CO | PO BOX 872 TUPELO, MS 38802 | AFLAC | $686 | — | $686 | 0.49% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $426 | $20 | $446 | 0.32% |
| BENJAMIN J PIERCE3 Filed as: BENJAMIN PIERCE | 78 MILL RD COLUMBUS, MS 39702 | AFLAC | $326 | — | $326 | 0.23% |
| GINGER KAYE HARDY3 | 1105 W JACKSON ST TUPELO, MS 38804 | AFLAC | $271 | — | $271 | 0.19% |
| ANNA THOMPSON | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $249 | — | $249 | 0.18% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $210 | — | $210 | 0.15% |
| JOHN WILLIAMSON3 | 360 QUAIL RIDGE RD WEST POINT, MS 39773 | AFLAC | $146 | — | $146 | 0.10% |
| ARTHUR COLAVOLPE3 | 130 BENTGRASS CIR SALTILLO, MS 38866 | AFLAC | $116 | — | $116 | 0.08% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $95 | — | $95 | 0.07% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $69 | — | $69 | 0.05% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $63 | — | $63 | 0.05% |
| EDWARD G LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $59 | — | $59 | 0.04% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $57 | — | $57 | 0.04% |
| MILDRED A JOHNSON3 | 119 ROSEDALE DR TUPELO, MS 38801 | AFLAC | $51 | — | $51 | 0.04% |
| SUSAN R RAPER | 1509 S ADAMS ST STE Q FULTON, MS 38843 | AFLAC | $8 | $29 | $37 | 0.03% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $34 | — | $34 | 0.02% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $33 | — | $33 | 0.02% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $32 | — | $32 | 0.02% |
| CYNTHIA LYON3 | 400 DOGWOOD DR WEST POINT, MS 39773 | AFLAC | $27 | — | $27 | 0.02% |
| DANNY WILLARD AVERY3 | 314 KENNEL RD COLUMBUS, MS 39705 | AFLAC | $23 | — | $23 | 0.02% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $20 | — | $20 | 0.01% |
| J DAVID BUTLER | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $19 | — | $19 | 0.01% |
| CHRISTY W FISHER | 104 W MAIN ST BALDWYN, MS 38824 | AFLAC | $6 | $11 | $17 | 0.01% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $16 | — | $16 | 0.01% |
| CHRISTIE MARZARI3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $13 | — | $13 | 0.01% |
| VICKI M BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $13 | — | $13 | 0.01% |
| CHARLES J JOHNSON3 | PO BOX 1355 TUPELO, MS 38802 | AFLAC | $6 | — | $6 | 0.00% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM A BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE COMER3 | P O BOX 762 WEST POINT, MS 39773 | COMPANION LIFE INSURANCE COMPANY | $8K | $3K | $12K | 12.50% |
| KATHERINE COMER | P O BOX 762 WEST POINT, MS 39773 | DAVIS VISION | $2K | — | $2K | 10.03% |
| MWL | P O BOX 14067 JACKSON, MS 392364067 | DAVIS VISION | $2K | — | $2K | 9.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 762 WEST POINT, MS 39773 | $50K |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 303 | $1.2M |
| Vision | DAVIS VISION | 140 | $22K |
| Short-term disability | AFLAC | 126 | $139K |
| Other | AFLAC | 126 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.