| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | BLUE CROSS BLUE SHIELD OF MS, INC | $65K | — | $65K | 5.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 17900 CHENAL PARKWAY STE 100 LITTLE ROCK, AR 72223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 9.55% |
| KIMBERLY J BURNHAM3 | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $3K | $147 | $3K | 5.56% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $3K | — | $3K | 4.85% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $1K | $80 | $2K | 2.74% |
| JOHNATHAN D BURNHAM3 | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $1K | $262 | $1K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $503 | — | $503 | 0.89% |
| NICHOLE RENEE LEVERN3 Filed as: NICHOLE LEVERN-COMM | 109 MILLCREEK CORS STE D BRANDON, MS 39047 | AFLAC | $474 | — | $474 | 0.84% |
| JAMES H KING3 Filed as: JAMES T MITCHELL, JR | 272 HARRIS CIR MADISON, MS 39110 | AFLAC | $357 | $25 | $382 | 0.68% |
| ALEX MONSOUR3 | 123 COTTAGE ROW DR VICKSBURG, MS 39180 | AFLAC | $357 | — | $357 | 0.63% |
| AUSTIN D BURNHAM3 | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $335 | — | $335 | 0.59% |
| JESSICA DENISE LINDSEY | 6144 CLARENCE DR JACKSON, MS 39206 | AFLAC | $321 | — | $321 | 0.57% |
| VANESSA C MITCHELL3 Filed as: VANESSA MITCHELL | 27 HARRIS CIRCLE MADISON, MS 39110 | AFLAC | $111 | — | $111 | 0.20% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $98 | — | $98 | 0.17% |
| EUELL INSURANCE GROUP LLC3 Filed as: EUELL INS GROUP LLC | 221 HIGHLEADON DR MADISON, MS 39110 | AFLAC | $96 | — | $96 | 0.17% |
| WILLIAM T FESTERVAN3 | 59 BREAKERS LANE RIDGELAND, MS 39157 | AFLAC | $80 | — | $80 | 0.14% |
| ANITA GRACE3 | 65 EMMIT LN FLORIEN, LA 71429 | AFLAC | $67 | — | $67 | 0.12% |
| JOHN KEYS3 | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $64 | — | $64 | 0.11% |
| SOPHIE BRIDGES3 | 601 CASTLEWOODS BLVD BRANDON, MS 39047 | AFLAC | $63 | — | $63 | 0.11% |
| CAROL VANBIBBER3 | 560 LOGGER HEAD LN MANY, LA 71449 | AFLAC | $61 | — | $61 | 0.11% |
| MAKAYLA PRINCE3 | 242 PATTON DR PEARL, MS 39208 | AFLAC | $52 | — | $52 | 0.09% |
| AON CONSULTING INC3 Filed as: CLAUDE H HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $42 | — | $42 | 0.07% |
| JOSEPH Y STINGLEY3 Filed as: JOSEPH STINGLEY | 155 READ RD BRANDON, MS 39042 | AFLAC | $39 | — | $39 | 0.07% |
| KENNETH WIMER3 | 159 CHELSEA DR SHREVEPORT, LA 71105 | AFLAC | $36 | — | $36 | 0.06% |
| CHRISTEEN MOFFETT3 | 1132 RIDGEWOOD BLVD JACKSON, MS 39211 | AFLAC | $33 | — | $33 | 0.06% |
| ANNICE DODD3 | 6 ROBIN RD WINONA, MS 38967 | AFLAC | $31 | — | $31 | 0.05% |
| JOHNNA LEVERN3 | 619 FALON WAY BRANDON, MS 39047 | AFLAC | $25 | — | $25 | 0.04% |
| WILLIAM DEES3 | PO BOX 708 WINONA, MS 38967 | AFLAC | $25 | — | $25 | 0.04% |
| E SPEED INC3 | 129 GLENWOOD BND 3 MADISON, MS 39110 | AFLAC | $19 | — | $19 | 0.03% |
| SKYE A VERGENAL3 Filed as: SKYE VERGENAL | 516 CEDAR LAKE DR YOUNGSVILLE, LA 70592 | AFLAC | $18 | — | $18 | 0.03% |
| JOHN KEYS3 Filed as: JOHN R HILL | 140 MAGNA CARTA PL JACKSON, MS 39211 | AFLAC | $17 | — | $17 | 0.03% |
| LYNWOOD ANTHONY KANE3 Filed as: LYNWOOD KANE | 2182 QUAIL HI BRANDON, MS 39042 | AFLAC | $17 | — | $17 | 0.03% |
| DARLA STILL Filed as: DARLA S STILL | PO BOX 1071 BELZONI, MS 39038 | AFLAC | $14 | — | $14 | 0.02% |
| WILLIAM SPEED3 Filed as: WILLIAM B SPEED | 193 LAKEWAY DR MADISON, MS 39110 | AFLAC | $13 | — | $13 | 0.02% |
| TERRY VANBIBBER3 Filed as: TERRY DALE VANBIBBER | 504 AVONDALE DR YAZOO CITY, MS 39194 | AFLAC | $12 | — | $12 | 0.02% |
| RONALD KOCH3 Filed as: RONALD W KOCH | 336 MEGAN LN COLUMBUS, MS 39705 | AFLAC | $9 | — | $9 | 0.02% |
| MATTHEW P WOIDTKE3 | 505 FLORENCE DR MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $8 | — | $8 | 0.01% |
| TERRIE J GILL3 | 40058 EASTER VALLEY RD GREENWOOD SPRINGS, MS 38848 | AFLAC | $6 | — | $6 | 0.01% |
| JAMEY WILSON3 Filed as: JAMEY L WILSON | 415 WALTHALL ST WINONA, MS 38967 | AFLAC | $5 | — | $5 | 0.01% |
| AON CONSULTING INC3 Filed as: EMILY H SPEED | 513 COBBLESTONE CT STE 4 MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER S HARDY3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $4 | — | $4 | 0.01% |
| GINGER KAYE HARDY3 Filed as: GINGER HARDY | 1105 W JACKSON ST TUPELO, MS 38804 | AFLAC | $3 | — | $3 | 0.01% |
| KENNETH ELDRED3 | 611 BELMONT ESTATE DR HERNANDO, MS 38632 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN R BRASEL3 | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $1 | — | $1 | 0.00% |
| MIRANDA ANDREWS3 | 1305 LEE ST TUPELO, MS 38804 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY A MASSEY3 | 262 LAKEOVER DR W COLUMBUS, MS 39702 | AFLAC | $1 | — | $1 | 0.00% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 276 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $207K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $264K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $207K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.