| 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 | $16K | — | $16K | 4.59% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $8K | — | $8K | 5.14% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $7K | — | $7K | 4.89% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.15% |
| ASHFORD MISSISSIPPI LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $273 | — | $273 | 0.42% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON JOHNSON | PO BOX 87 LAUREL, MS 39441 | AMFIRST | $5K | — | $5K | 10.01% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED DBA MWG BROKER | PO BOX 14067 LAUREL, MS 39441 | AMFIRST | $2K | — | $2K | 4.99% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $4K | $14 | $4K | 22.31% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $2K | $11 | $2K | 12.04% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $2K | $120 | $2K | 10.81% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $974 | $5 | $979 | 5.41% |
| MELISSA WOMACK3 | 597 HEBRON CENTERVILLE RD SOSO, MS 39480 | AFLAC | $40 | — | $40 | 0.22% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $17 | — | $17 | 0.09% |
| BILLY W HENLEY3 | PO BOX 4880 JACKSON, MS 39296 | AFLAC | $17 | — | $17 | 0.09% |
| JOSEPH E PARKER JR3 | 6668 US HIGHWAY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $6 | — | $6 | 0.03% |
| GARY L THORNTON3 | PO BOX 8173 LAUREL, MS 39441 | AFLAC | $5 | — | $5 | 0.03% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $5 | — | $5 | 0.03% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $4 | — | $4 | 0.02% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.02% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.02% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $3 | — | $3 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: NATALIE P ROGERS | 905 OAK TRL CANTON, MS 39439 | AFLAC | $2 | — | $2 | 0.01% |
| PATRICIA LANE FAUST3 | 403 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $2 | — | $2 | 0.01% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $0 | — | $0 | 0.00% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $2K | — | $2K | 23.50% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $979 | — | $979 | 13.22% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $773 | $120 | $893 | 12.06% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $417 | — | $417 | 5.63% |
| PATRICIA LANE FAUST3 | 403 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $8 | — | $8 | 0.11% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $5 | — | $5 | 0.07% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $853 | — | $853 | 16.04% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $485 | — | $485 | 9.12% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $412 | — | $412 | 7.75% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $212 | — | $212 | 3.99% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $94 | — | $94 | 1.77% |
| JOSEPH E PARKER JR3 | 6668 US HIGHWAY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $29 | — | $29 | 0.55% |
| KERMIT REGINALD THAMES3 | PO BOX 4.320 LAUREL, MS 39441 | AFLAC | $17 | — | $17 | 0.32% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $11 | — | $11 | 0.21% |
| MARK BUTLER INC3 | 204 BENACHI AVE BILOXI, MS 39530 | AFLAC | $6 | — | $6 | 0.11% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MA 39507 | AFLAC | $3 | — | $3 | 0.06% |
| GARY L THORNTON3 | PO BOX 8173 LAUREL, MS 39441 | AFLAC | $2 | — | $2 | 0.04% |
| MARY ANN TRICE3 | 70 TRACE RD LAUREL, MS 39443 | AFLAC | $2 | — | $2 | 0.04% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.02% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.02% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $1K | — | $1K | 36.21% |
| JILLIAN C NELSON3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $178 | — | $178 | 5.72% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $76 | — | $76 | 2.44% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 88 | $704K |
| Dental(5 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 111 | $722K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $64K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $64K |
| Short-term disability(4 contracts) | AFLAC | 44 | $34K |
| Other(6 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.