| 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 | $14K | — | $14K | 3.90% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $7K | — | $7K | 4.67% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE TAYLOR | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $6K | — | $6K | 4.34% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY SANNER | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $7K | — | $7K | 5.93% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON | PO BOX 87 LAUREL, MS 39441 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.05% |
| ASHFORD MISSISSIPPI LLC3 | 5898 RIDGEWOOD RD JACKSON, MS 39211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.51% |
| 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 | 5.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.55% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $2K | $301 | $3K | 10.90% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $968 | $193 | $1K | 4.80% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $1K | $0 | $1K | 4.67% |
| J NELSON LLC3 | 110 MESSEMORE RD ELLISVILLE, MS 39437 | AFLAC | $635 | $105 | $740 | 3.06% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $34 | — | $34 | 0.14% |
| MELISSA WOMACK3 | 597 HEBRON CENTERVILLE RD SOSO, MS 39480 | AFLAC | $16 | — | $16 | 0.07% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $11 | — | $11 | 0.05% |
| GARY L THORNTON3 | PO BOX 8173 LAUREL, MS 39441 | AFLAC | $10 | — | $10 | 0.04% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $10 | — | $10 | 0.04% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $6 | — | $6 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $1 | — | $1 | 0.00% |
| BILLY W HENLEY3 | PO BOX 4880 JACKSON, MS 39296 | AFLAC | $0 | — | $0 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $0 | — | $0 | 0.00% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $0 | — | $0 | 0.00% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $0 | — | $0 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: NATALIE P ROGERS | 905 OAK TRL CANTON, MS 39439 | AFLAC | $0 | — | $0 | 0.00% |
| PATRICIA LANE FAUST3 | 403 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $0 | — | $0 | 0.00% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $1K | $156 | $1K | 13.07% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $475 | $96 | $571 | 5.19% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $501 | $0 | $501 | 4.55% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOOP PURVIS, MS 39475 | AFLAC | $320 | $54 | $374 | 3.40% |
| PATRICIA LANE FAUST3 | 403 COUNTY ROAD 33 HEIDELBERG, MS 39439 | AFLAC | $0 | — | $0 | 0.00% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | AFLAC | $0 | — | $0 | 0.00% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39402 | AFLAC | $2K | $35 | $2K | 24.88% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $308 | $8 | $316 | 3.30% |
| ROBERT GUY FAIRLEY3 | 1317 DR CAMPBELL DR WIGGINS, MS 39577 | AFLAC | $16 | — | $16 | 0.17% |
| DORELL SCOTT JOHNIKIN3 | 1207 LUCAS ST LOUREL, MA 39440 | AFLAC | $10 | — | $10 | 0.10% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $1K | $111 | $2K | 19.15% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $514 | — | $514 | 6.55% |
| J NELSON LLC3 | 112 HICKORY HILLS LOOOP PURVIS, MS 39475 | AFLAC | $270 | $32 | $302 | 3.85% |
| TAMMY LYNN AINSWORTH3 | 650 PECAN GROVE RD ELLISVILLE, MS 39437 | AFLAC | $193 | $34 | $227 | 2.89% |
| J STANLEY JAMES3 | PO BOX 309 MOSELLE, MS 39459 | AFLAC | $66 | — | $66 | 0.84% |
| JOSEPH E PARKER JR3 | 17 STONECREST HATTIESBURG, MS 39532 | AFLAC | $18 | — | $18 | 0.23% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DR BILOXI, MS 39532 | AFLAC | $11 | — | $11 | 0.14% |
| KERMIT REGINALD THAMES3 | PO BOX 4.320 LAUREL, MS 39441 | AFLAC | $6 | — | $6 | 0.08% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MA 39507 | AFLAC | $2 | — | $2 | 0.03% |
| 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% |
| MARK BUTLER INC3 | 204 BENACHI AVE BILOXI, MS 39530 | AFLAC | $0 | — | $0 | 0.00% |
| TANYA R SKIPPER3 | 915 BEAT 4 SHUBUTA RD SHUBUTA, MS 39360 | AFLAC | $318 | $100 | $418 | 12.02% |
| JILLIAN C NELSON3 | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $77 | $23 | $100 | 2.88% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS, INC | PO BOX 87 LAUREL, MS 39441 | AFLAC | $39 | — | $39 | 1.12% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 59 | $810K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $76K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $76K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $115K |
| Short-term disability(5 contracts) | AFLAC | 46 | $56K |
| Other(8 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.