| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC3 | PO BOX 762 WEST POINT, MS 39773 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $36K | $42K | 4.52% |
| KATHERINE LYON COMER3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $11K | $34 | $11K | 11.45% |
| WILLIAM C ATKINS3 | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $1K | — | $1K | 1.20% |
| GINGER KAYE HARDY3 | 431 W MAIN ST STE 410 TUPELO, MS 38804 | AFLAC | $1K | $8 | $1K | 1.09% |
| JOHN R BRASEL3 | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $891 | $2 | $893 | 0.96% |
| ANNA THOMPSON3 | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $696 | — | $696 | 0.75% |
| HARDY INSURANCE INC3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $428 | — | $428 | 0.46% |
| BENJAMIN J PIERCE3 | 5414 OLD WEST POINT RD COLUMBUS, MS 39701 | AFLAC | $287 | — | $287 | 0.31% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $269 | — | $269 | 0.29% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $180 | — | $180 | 0.19% |
| TERRIE J GILL3 | 40058 EASTER VALLEY RD GREENWOOD SPRINGS, MS 38848 | AFLAC | $145 | — | $145 | 0.16% |
| ARTHUR COLAVOLPE3 Filed as: ARTHUR J COLAVOLPE | 130 BENTGRASS CIR SALTILLO, MS 38866 | AFLAC | $116 | — | $116 | 0.12% |
| CHRISTOPHER S HARDY3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $116 | — | $116 | 0.12% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $90 | — | $90 | 0.10% |
| GREGORY J WEEKS3 | 730 AVIGNON DR STE 101 RIDGELAND, MS 39157 | AFLAC | $80 | — | $80 | 0.09% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $59 | — | $59 | 0.06% |
| EDWARD G LYON3 | PO BOX 762 WEST POINT, MS 39773 | AFLAC | $57 | — | $57 | 0.06% |
| MILDRED A JOHNSON3 | 119 ROSEDALE DR TUPELO, MS 38801 | AFLAC | $46 | — | $46 | 0.05% |
| JOHN WILLIAMSON3 Filed as: JOHN W WILLIAMSON | 1579 BARTON FERRY RD WEST POINT, MS 39773 | AFLAC | $36 | — | $36 | 0.04% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $31 | — | $31 | 0.03% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $30 | — | $30 | 0.03% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $28 | — | $28 | 0.03% |
| CYNTHIA LYON3 | 400 DOGWOOD DR WEST POINT, MS 39773 | AFLAC | $27 | — | $27 | 0.03% |
| BENJAMIN J PIERCE3 | 78 MILL RD COLUMBUS, MS 39702 | AFLAC | $27 | — | $27 | 0.03% |
| MATTHEW D MOEHRING3 | PO BOX 906 COLUMBUS, MS 39703 | AFLAC | $23 | — | $23 | 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 | $18 | — | $18 | 0.02% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $15 | — | $15 | 0.02% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTIE MARZARI3 | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $12 | — | $12 | 0.01% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.00% |
| DAWN T SUCHECKI3 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 | $5K | $551 | $6K | 9.98% |
| 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 | $1K | — | $1K | 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYON FINANCIAL & ASSOCIATES LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 762 WEST POINT, MS 39773 | $36K |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 213 | $975K |
| Vision | DAVIS VISION | 114 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $9K |
| Short-term disability | AFLAC | 131 | $93K |
| Other | AFLAC | 131 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.