| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATHINGS INSURANCE SERVICES LLC3 Filed as: GATHINGS INS SVCS LLC | 309 NEWPOINTE DR RIDGELAND, MS 39157 | AFLAC | $1K | — | $1K | 5.62% |
| JAN L. KLING3 | P O BOX 9083 COLUMBUS, MS 39705 | AFLAC | $1K | — | $1K | 4.84% |
| JOHN D KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $767 | — | $767 | 3.20% |
| CHARLES DAVID BRAY3 | 2606 ROXANNE DR PEARL, MS 39208 | AFLAC | $385 | — | $385 | 1.61% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 309 NEW POINTE SUITE B RIDGELAND, MS 39157 | AFLAC | $357 | — | $357 | 1.49% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $194 | — | $194 | 0.81% |
| JOSHUA L CLINE3 Filed as: JOSHUA L. CLINE | 4 COUNTRY PL PEARL, MS 39208 | AFLAC | $171 | — | $171 | 0.71% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $99 | — | $99 | 0.41% |
| ROBERT J LOVERN3 Filed as: ROBERT J. LOVERN | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $67 | — | $67 | 0.28% |
| FLOYD D KIMBROUGH3 Filed as: FLOYD D. KIMBROUGH | 875 BRIARWOOD DR JACKSON, MS 39211 | AFLAC | $59 | — | $59 | 0.25% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $41 | — | $41 | 0.17% |
| GRAHAM C BOWDEN3 | 5492 RIVER THAMES RD JACKSON, MS 39211 | AFLAC | $37 | — | $37 | 0.15% |
| E INGRAM INC3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $25 | — | $25 | 0.10% |
| GREGORY J WEEKS3 Filed as: GREGORY J. WEEKS | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $23 | — | $23 | 0.10% |
| WALLACE B SANDERS JR3 Filed as: WALLACE B. SANDERS JR. | 15 NORTHTOWN DR SUITE C JACKSON, MS 39211 | AFLAC | $23 | — | $23 | 0.10% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P O BOX 273488 BOCA RATON, FL 33427 | AFLAC | $22 | — | $22 | 0.09% |
| D P SMITH3 | P O BOX 16671 JACKSON, MS 39236 | AFLAC | $18 | — | $18 | 0.08% |
| HENRY J ROTH3 Filed as: HENRY A. KLAAS | 114 FOREST RETREAT RD HENDERSONVILLE, TN 37075 | AFLAC | $18 | — | $18 | 0.08% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $14 | — | $14 | 0.06% |
| ALBERT WELCH III3 Filed as: ALBERT J. WELCH III | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $13 | — | $13 | 0.05% |
| VANESSA C MITCHELL3 | 4854 STONE CROSS DR OLIVE BRANCH, MS 38654 | AFLAC | $10 | — | $10 | 0.04% |
| HARDY INSURANCE INC3 | P O BOX 872 TUPELO, MS 38802 | AFLAC | $9 | — | $9 | 0.04% |
| MICHAEL L HENDERSON3 Filed as: MICHAEL L. HENDERSON | P O BOX 1039 CLINTON, AR 72031 | AFLAC | $7 | — | $7 | 0.03% |
| LORI A FERGUSON3 | 1733 WILHURST ST JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.02% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.02% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM A. BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.01% |
| GATHINGS INSURANCE SERVICES LLC3 | 300 CONCOURSE BLVD., SUITE 300 RIDGELAND, MS 39157 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GATHINGS INSURANCE SERVICES LLC3 | 309 NEW POINTE DR RIDGELAND, MS 39157 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 12.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $231 | — | $231 | 2.25% |
| MWL3 | P O BOX 14067 JACKSON, MS 392364067 | SPECTERA | $1K | — | $1K | 17.99% |
| JAMES GATHINGS3 | 300 CONCOURSE BLVD. STE 300 RIDGELAND, MS 39157 | SPECTERA | $1K | — | $1K | 12.00% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SPECTERA | 54 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $10K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $23K |
| Other(2 contracts, 2 carriers) | AFLAC | 132 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.