| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISSY YELVERTON3 | 8315 CANTRELL RD SUITE 300 LITTLE ROCK, AR 72227 | BLUE CROSS BLUE SHIELD OF MS, INC | $66K | — | $66K | 4.17% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | 8315 CANTRELL RD SUTIE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 13.14% |
| NICHOLE RENEE LEVERN3 Filed as: NICHOLE LEVERN-COMM | 109 MILLCREEK CORS STE D BRANDON, MS 39047 | AFLAC | $6K | $414 | $7K | 6.03% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $3K | $108 | $3K | 2.65% |
| ALEX MONSOUR3 | 123 COTTAGE ROW DR VICKSBURG, MS 39180 | AFLAC | $2K | $69 | $2K | 1.80% |
| VANESSA C MITCHELL3 Filed as: VANESSA MITCHELL | 200 STONE CREEK DR MADISON, MS 39110 | AFLAC | $2K | $95 | $2K | 1.71% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $682 | — | $682 | 0.63% |
| WILLIAM T FESTERVAN3 | 59 BREAKERS LANE RIDGELAND, MS 39157 | AFLAC | $335 | $2 | $337 | 0.31% |
| CASEDRA T EUELL3 | 221 HIGHLEADON DR MADISON, MS 39110 | AFLAC | $301 | — | $301 | 0.28% |
| KIMBERLY J BURNHAM3 | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $188 | $14 | $202 | 0.19% |
| JOSEPH Y STINGLEY3 Filed as: JOSEPH STINGLEY-COMMISSIONS | 155 READ RD BRANDON, MS 39042 | AFLAC | $157 | — | $157 | 0.15% |
| HALEY NICOLE HARDWICK3 Filed as: HALEY HARDWICK | 455 DEERFIELD RD CROSSVILLE, TN 38555 | AFLAC | $90 | $30 | $120 | 0.11% |
| ANITA GRACE3 | 65 EMMIT LN FLORIEN, LA 71429 | AFLAC | $73 | — | $73 | 0.07% |
| WILLAM DEES3 | PO BOX 708 WINONA, MS 38967 | AFLAC | $39 | — | $39 | 0.04% |
| KENNETH WIMER3 | 159 CHELSEA DR SHREVEPORT, LA 71105 | AFLAC | $38 | — | $38 | 0.04% |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH TALTON | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $36 | — | $36 | 0.03% |
| CHARLES BRYAN WARREN3 Filed as: CHARLES WARREN | PO BOX 3357 TUPELO, MS 38803 | AFLAC | $34 | — | $34 | 0.03% |
| LACY DODD3 | 507 ROCK SPRINGS DR OXFORD, MS 38655 | AFLAC | $32 | — | $32 | 0.03% |
| CAROL VANBIBBER3 | 560 LOGGER HEAD LN MANY, LA 71449 | AFLAC | $26 | — | $26 | 0.02% |
| BARRY DOUBLEDAY3 | 1217 COUNTY ROAD 10 TILLATOBA, MS 38961 | AFLAC | $20 | — | $20 | 0.02% |
| SKYE A VERGENAL3 Filed as: SKYE VERGENAL | 516 CEDAR LAKE DR YOUNGSVILLE, LA 70592 | AFLAC | $20 | — | $20 | 0.02% |
| ANNICE DODD3 | 6 ROBIN RD WINONA, MS 38967 | AFLAC | $16 | — | $16 | 0.01% |
| DERRICK SIMMONS3 | 2096 NELSON SPUR RD POPE, MS 38658 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN R BRASEL3 Filed as: JOHN BRASEL | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $14 | — | $14 | 0.01% |
| LAURA MILLS3 | 181 COUNTY RD 317 OXFORD, MS 38655 | AFLAC | $14 | — | $14 | 0.01% |
| SHANNON LANE3 | 118 REDBUD DR BRANDON, MS 39047 | AFLAC | $14 | — | $14 | 0.01% |
| TERESA REED3 | 1417 TRAILWOOD DR STE E GREENVILLE, MS 38701 | AFLAC | $14 | — | $14 | 0.01% |
| JOHN KEYS3 | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $12 | — | $12 | 0.01% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $10 | — | $10 | 0.01% |
| JOHNNA LEVERN3 Filed as: JOHNNA LEVERN - COMMISSIONS | 619 FALON WAY BRANDON, MS 39047 | AFLAC | $5 | — | $5 | 0.00% |
| GINGER KAYE HARDY3 Filed as: GINGER HARDY | 1105 W JACKSON ST TUPELO, MS 38804 | AFLAC | $5 | — | $5 | 0.00% |
| RENITA BAILEY - COMMISSIONS3 | 9 HAZLIP ST NATCHEZ, MS 39120 | AFLAC | $4 | — | $4 | 0.00% |
| MATTHEW REED3 | 1357 PINEY RD CROSBY, MS 39633 | AFLAC | $4 | — | $4 | 0.00% |
| LINDA L HUFFMAN3 Filed as: LINDA HUFFMAN | 6312 MOSSY OAK DR OCEAN SPRINGS, MS 39564 | AFLAC | $4 | — | $4 | 0.00% |
| MISSISSIPPI LIFE & HEALTH INC3 | PO BOX 1647 GREENVILLE, MS 38702 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIE MOSBY3 | 293 CHERRY BARK DR BRANDON, MS 39047 | AFLAC | $1 | — | $1 | 0.00% |
| KATRINA K MCMECHAN3 Filed as: KATRINA MCMECHAN | 2244 COUNTRY CLUB RD GRENADA, MS 38901 | AFLAC | — | — | $0 | 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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 280 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $137K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $246K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $137K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.