| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 300 CONCOURSE BLVD., SUITE 300 RIDGELAND, MS 39157 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 8.63% |
| GATHINGS INSURANCE SERVICES LLC3 | 309 NEWPOINTE DR RIDGELAND, MS 39157 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 6.37% |
| JAN L. KLING3 | P O BOX 9083 COLUMBUS, MS 39705 | AFLAC | $972 | — | $972 | 4.80% |
| GATHINGS INSURANCE SERVICES LLC3 Filed as: GATHINGS INS SVCS LLC | 309 NEWPOINTE DR RIDGELAND, MS 39157 | AFLAC | $468 | — | $468 | 2.31% |
| JOHN D KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $302 | $45 | $347 | 1.72% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 309 NEW POINTE SUITE B RIDGELAND, MS 39157 | AFLAC | $184 | $22 | $206 | 1.02% |
| CHARLES DAVID BRAY3 | 2606 ROXANNE DR PEARL, MS 39208 | AFLAC | $171 | $22 | $193 | 0.95% |
| DK REEVES INC3 | 205 LONESOME DOVE TRL COLUMBUS, MS 39702 | AFLAC | $161 | — | $161 | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BLVD STE 300 RIDGELAND, MS 39157 | AFLAC | $152 | — | $152 | 0.75% |
| JOSHUA L CLINE3 Filed as: JOSHUA L. CLINE | 349 BOTELER RD FLORENCE, MS 39073 | AFLAC | $142 | — | $142 | 0.70% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $87 | — | $87 | 0.43% |
| ROBERT J LOVERN3 Filed as: ROBERT J. LOVERN | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $52 | — | $52 | 0.26% |
| PAUL G BOWDEN III3 | P O BOX 13647 JACKSON, MS 39236 | AFLAC | $38 | — | $38 | 0.19% |
| E SPEED INC3 | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $23 | — | $23 | 0.11% |
| GREGORY J WEEKS3 Filed as: GREGORY J. WEEKS | 730 AVIGNON DR SUITE 101 RIDGELAND, MS 39157 | AFLAC | $21 | — | $21 | 0.10% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P O BOX 273488 BOCA RATON, FL 33427 | AFLAC | $20 | — | $20 | 0.10% |
| GRAHAM C BOWDEN3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $19 | — | $19 | 0.09% |
| D P SMITH3 | P O BOX 16671 JACKSON, MS 39236 | AFLAC | $17 | — | $17 | 0.08% |
| HENRY J ROTH3 Filed as: HENRY A. KLAAS | 114 FOREST RETREAT RD HENDERSONVILLE, TN 37075 | AFLAC | $16 | — | $16 | 0.08% |
| GRAHAM C BOWDEN3 | 3 FONDREN GREEN CIR JACKSON, MS 39216 | AFLAC | $16 | — | $16 | 0.08% |
| JOSHUA L CLINE3 | 4 COUNTRY PL PEARL, MS 39208 | AFLAC | $14 | — | $14 | 0.07% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $12 | — | $12 | 0.06% |
| ALBERT WELCH III3 Filed as: ALBERT J. WELCH III | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $12 | — | $12 | 0.06% |
| PETER B WILKINSON JR3 | 6202 IOLA AVE STE 115 LUBBOCK, TX 79424 | AFLAC | $11 | — | $11 | 0.05% |
| VANESSA C MITCHELL3 | 200 STONE CREEK DR MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.04% |
| HARDY INSURANCE INC3 | P O BOX 872 TUPELO, MS 38802 | AFLAC | $7 | — | $7 | 0.03% |
| MICHAEL L HENDERSON3 Filed as: MICHAEL L. HENDERSON | P O BOX 1039 CLINTON, AR 72031 | AFLAC | $6 | — | $6 | 0.03% |
| VICKI M BUTLER3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $6 | — | $6 | 0.03% |
| LORI A FERGUSON3 | 1733 WILHURST ST JACKSON, MS 39211 | AFLAC | $4 | — | $4 | 0.02% |
| WALLACE B SANDERS JR3 Filed as: WALLACE B. SANDERS JR. | 15 NORTHTOWN DR SUITE C JACKSON, MS 39211 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM A. BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.01% |
| MDCONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.01% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.01% |
| VANESSA C MITCHELL3 | 4854 STONE CROSS DR OLIVE BRANCH, MS 38654 | AFLAC | $2 | — | $2 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 15.00% |
| MWL3 | P O BOX 14067 JACKSON, MS 392364067 | SPECTERA | $1K | — | $1K | 17.98% |
| JAMES GATHINGS3 | 300 CONCOURSE BLVD. STE 300 RIDGELAND, MS 39157 | SPECTERA | $890 | — | $890 | 12.01% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SPECTERA | 62 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $9K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $23K |
| Other(2 contracts, 2 carriers) | AFLAC | 127 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.