| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $15K | — | $15K | 3.99% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $7K | — | $7K | 4.35% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $8K | — | $8K | 5.54% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY SANNER | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $6K | — | $6K | 5.45% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INSURANCE SERVICE | 925 N 12TH AVE LAUREL, MS 39440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $23 | $6K | 10.04% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.16% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON | PO BOX 87 LAUREL, MS 39441 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.93% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $1K | $66 | $2K | 7.27% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $846 | $0 | $846 | 3.96% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $686 | $46 | $732 | 3.42% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $479 | $24 | $503 | 2.35% |
| MELISSA WOMACK3 | 597 HEBRON CENTERVILLE RD SOSO, MS 39480 | AFLAC | $16 | — | $16 | 0.07% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $0 | — | $0 | 0.00% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $0 | — | $0 | 0.00% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $519 | $35 | $554 | 5.74% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $261 | $0 | $261 | 2.71% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOOP PURVIS, MS 39475 | AFLAC | $174 | $13 | $187 | 1.94% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $145 | $28 | $173 | 1.79% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $2K | $11 | $2K | 17.06% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $184 | $2 | $186 | 2.10% |
| ROBERT GUY FAIRLEY3 | 1317 DR CAMPBELL DR WIGGINS, MS 39577 | AFLAC | $133 | $2 | $135 | 1.52% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $524 | $34 | $558 | 6.54% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E. JOHNSON INS SVCS, INC. | PO BOX 87 LAUREL, MS 39441 | AFLAC | $278 | — | $278 | 3.26% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOOP PURVIS, MS 39475 | AFLAC | $158 | $10 | $168 | 1.97% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $150 | $9 | $159 | 1.86% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $72 | — | $72 | 0.84% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39532 | AFLAC | $20 | — | $20 | 0.23% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $12 | — | $12 | 0.14% |
| KERMIT REGINALD THAMES3 | PO BOX 4320 LAUREL, MS 39441 | AFLAC | $8 | — | $8 | 0.09% |
| RANDALL D LADNER3 | 18 53RD CIR GULFPORT, MS 39441 | AFLAC | $2 | — | $2 | 0.02% |
| GARY L THORNTON3 | PO BOX 8173 LAUREL, MS 39441 | AFLAC | $1 | — | $1 | 0.01% |
| MARY ANN TRICE3 | 70 TRACE RD LAUREL, MS 39443 | AFLAC | $1 | — | $1 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.01% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INSURANCE SERVICE | 925 N 12TH AVE LAUREL, MS 39440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $706 | $6 | $712 | 10.08% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $138 | $0 | $138 | 5.93% |
| JILLIAN C NELSON3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $41 | $0 | $41 | 1.76% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $14 | — | $14 | 0.60% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 52 | $785K |
| Dental(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $79K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $30K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $62K |
| Short-term disability(5 contracts) | AFLAC | 29 | $51K |
| Other(7 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.