| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC3 | PO BOX 762 WEST POINT, MS 39773 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $38K | $44K | 4.56% |
| KATHERINE COMER3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $8K | $197 | $8K | 8.50% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $1K | $21 | $1K | 1.50% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE CO | PO BOX 872 TUPELO, MS 38802 | AFLAC | $567 | — | $567 | 0.62% |
| TERRIE J GILL3 | 447 WILKINS WISE RD COLUMBUS, MS 39705 | AFLAC | $443 | $43 | $486 | 0.53% |
| GINGER KAYE HARDY3 | PO BOX 2532 TUPELO, MS 38803 | AFLAC | $337 | $22 | $359 | 0.39% |
| BENJAMIN J PIERCE3 Filed as: BENJAMIN PIERCE | 78 MILL RD COLUMBUS, MS 39702 | AFLAC | $293 | — | $293 | 0.32% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $283 | — | $283 | 0.31% |
| ANNA THOMPSON | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $238 | — | $238 | 0.26% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $192 | — | $192 | 0.21% |
| JOHN WILLIAMSON3 | 1579 BARTON FERRY RD WEST POINT, MS 39773 | AFLAC | $134 | — | $134 | 0.15% |
| ARTHUR COLAVOLPE3 | 130 BENTGRASS CIR SALTILLO, MS 38866 | AFLAC | $106 | — | $106 | 0.12% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $84 | — | $84 | 0.09% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $62 | — | $62 | 0.07% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $60 | — | $60 | 0.07% |
| EDWARD G LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $54 | — | $54 | 0.06% |
| MILDRED A JOHNSON3 | 119 ROSEDALE DR TUPELO, MS 38801 | AFLAC | $45 | — | $45 | 0.05% |
| MATTHEW D MOEHRING | PO BOX 906 COLUMBUS, MS 39703 | AFLAC | $40 | — | $40 | 0.04% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $30 | — | $30 | 0.03% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $29 | — | $29 | 0.03% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $28 | — | $28 | 0.03% |
| CYNTHIA LYON3 | 400 DOGWOOD DR WEST POINT, MS 39773 | AFLAC | $25 | — | $25 | 0.03% |
| DANNY WILLARD AVERY3 | 314 KENNEL RD COLUMBUS, MS 39705 | AFLAC | $21 | — | $21 | 0.02% |
| JOHN R BRASEL | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $19 | — | $19 | 0.02% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $18 | — | $18 | 0.02% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $14 | — | $14 | 0.02% |
| CHRISTIE MARZARI3 | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $12 | — | $12 | 0.01% |
| VICKI M BUTLER | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.00% |
| CHARLES J JOHNSON3 | PO BOX 1355 TUPELO, MS 38802 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM A BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.00% |
| DAWN T SUCHECKI Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | — | — | $0 | 0.00% |
| KATHERINE COMER3 | P O BOX 762 WEST POINT, MS 39773 | COMPANION LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.51% |
| KATHERINE COMER | P O BOX 762 WEST POINT, MS 39773 | DAVIS VISION | $2K | — | $2K | 10.03% |
| MORGAN WHITE LIMITED | P O BOX 14067 JACKSON, MS 392364067 | DAVIS VISION | $2K | — | $2K | 9.00% |
| KATHERINE D COMER3 | 800 WOODLANDS PKWY STE 203 RIDGELAND, MS 391575215 | PRINCIPAL LIFE INSURANCE COMPANY | $876 | — | $876 | 9.40% |
| ROGERS BENEFIT GROUP INC3 | 3300 W ESPLANADE AVE STE 205 METAIRIE, LA 70002 | PRINCIPAL LIFE INSURANCE COMPANY | $485 | — | $485 | 5.20% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 263 | $1.0M |
| Vision | DAVIS VISION | 113 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $9K |
| Short-term disability | AFLAC | 96 | $91K |
| Other | AFLAC | 96 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.