| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | BLUE CROSS BLUE SHIELD OF MS, INC | $54K | — | $54K | 4.21% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 8315 CANTRELL RD SUTIE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 9.10% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| KIMBERLY J BURNHAM3 | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $15K | $935 | $16K | — |
| JOHNATHAN D BURNHAM | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $11K | — | $11K | — |
| ALEXA J SHOWMAKER | 340 OLD HIGHWAY 43 BRANDON, MS 39047 | AFLAC | $10K | $357 | $10K | — |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $7K | $471 | $8K | — |
| NICHOLE RENEE LEVERN3 Filed as: NICHOLE LEVERN-COMM | 109 MILLCREEK CORS STE D BRANDON, MS 39047 | AFLAC | $2K | — | $2K | — |
| ALEX MONSOUR3 | 123 COTTAGE ROW DR VICKSBURG, MS 39180 | AFLAC | $2K | $188 | $2K | — |
| VANESSA C MITCHELL3 Filed as: VANESSA MITCHELL | 27 HARRIS CIRCLE MADISON, MS 39110 | AFLAC | $527 | — | $527 | — |
| PRENISA L RICHARD3 | 116 KENBRIDGE LN MADISON, MS 39110 | AFLAC | $498 | — | $498 | — |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $439 | — | $439 | — |
| CHRISTEEN MOFFETT3 | 1132 RIDGEWOOD BLVD JACKSON, MS 39211 | AFLAC | $324 | $106 | $430 | — |
| JOHNNA LEVERN3 | 619 FALON WAY BRANDON, MS 39047 | AFLAC | $406 | $20 | $426 | — |
| CAROL VANBIBBER3 | 560 LOGGER HEAD LN MANY, LA 71449 | AFLAC | $305 | — | $305 | — |
| WILLIAM DEES3 | PO BOX 708 WINONA, MS 38967 | AFLAC | $213 | $54 | $267 | — |
| WILLIAM T FESTERVAN3 | 59 BREAKERS LANE RIDGELAND, MS 39157 | AFLAC | $253 | — | $253 | — |
| JAMESY L WILSON | 415 WALTHALL ST WINONA, MS 38967 | AFLAC | $176 | $54 | $230 | — |
| EUELL INSURANCE GROUP LLC Filed as: EUELL INS GROUP LLC | 221 HIGHLEADON DR MADISON, MS 39110 | AFLAC | $220 | — | $220 | — |
| JENNIFER MOORE | 1132 RIDGEWOOD BLVD JACKSON, MS 39211 | AFLAC | $168 | — | $168 | — |
| TERRY VANBIBBER Filed as: TERRY DALE VANBIBBER | 504 AVONDALE DR YAZOO CITY, MS 39194 | AFLAC | $125 | — | $125 | — |
| JOSEPH Y STINGLEY3 Filed as: JOSEPH STINGLEY | 155 READ RD BRANDON, MS 39042 | AFLAC | $114 | — | $114 | — |
| ANNICE DODD3 | 6 ROBIN RD WINONA, MS 38967 | AFLAC | $63 | $26 | $89 | — |
| ANITA GRACE3 | 65 EMMIT LN FLORIEN, LA 71429 | AFLAC | $67 | — | $67 | — |
| KENNETH ELDRED | 611 BELMONT ESTATE DR HERNANDO, MS 38632 | AFLAC | $53 | $13 | $66 | — |
| WILLIAM SPEED Filed as: WILLIAM B SPEED | 129 GLENWOOD BEND MADISON, MS 39110 | AFLAC | $43 | $13 | $56 | — |
| GINGER KAYE HARDY3 Filed as: GINGER HARDY | 1105 W JACKSON ST TUPELO, MS 38804 | AFLAC | $42 | $13 | $55 | — |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $38 | $10 | $48 | — |
| DARLA STILL Filed as: DARLA S STILL | PO BOX 1071 BELZONI, MS 39038 | AFLAC | $47 | — | $47 | — |
| RONALD KOCH Filed as: RONALD W KOCH | 336 MEGAN LN COLUMBUS, MS 39705 | AFLAC | $46 | — | $46 | — |
| TERRIE J GILL | 40058 EASTER VALLEY RD GREENWOOD SPRINGS, MS 38848 | AFLAC | $45 | — | $45 | — |
| KENNETH WIMER3 | 159 CHELSEA DR SHREVEPORT, LA 71105 | AFLAC | $36 | — | $36 | — |
| WILLIAM C ATKINS Filed as: WILLIAM ATKINS | 891 HARRELL DR WEST POINT, MS 39773 | AFLAC | $34 | — | $34 | — |
| TAWANDA M PENDILTON-JOHNSON | PO BOX 980 CLINTON, MS 39060 | AFLAC | $22 | — | $22 | — |
| CASEDRA T EUELL3 | 221 HIGHLEADON DR MADISON, MS 39110 | AFLAC | $20 | — | $20 | — |
| CHASITY SPIVEY | 1906 ESTES MILL RD WALNUT GROVE, MS 39189 | AFLAC | $20 | — | $20 | — |
| CHRISTOPHER S HARDY3 | PO BOX 872 TUPELO, MS 38802 | AFLAC | $18 | — | $18 | — |
| SKYE A VERGENAL3 Filed as: SKYE VERGENAL | 516 CEDAR LAKE DR YOUNGSVILLE, LA 70592 | AFLAC | $18 | — | $18 | — |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH TALTON | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $17 | — | $17 | — |
| LACY DODD3 | 507 ROCK SPRINGS DR OXFORD, MS 38655 | AFLAC | $17 | — | $17 | — |
| AON CONSULTING INC Filed as: CLAUDE H HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $13 | — | $13 | — |
| BARRY DOUBLEDAY3 | 1217 COUNTY ROAD 10 TILLATOBA, MS 38961 | AFLAC | $12 | — | $12 | — |
| MATTHEW P WOIDTKE | 205 E JACKSON ST RIDGELAND, MS 39157 | AFLAC | $6 | $6 | $12 | — |
| JOHN KEYS3 | 816 ANNANDALE RD MADISON, MS 39110 | AFLAC | $12 | — | $12 | — |
| JOHN R BRASEL | 118 ALLYE AVE MOOREVILLE, MS 38857 | AFLAC | $9 | — | $9 | — |
| JOSHUA L CLINE3 Filed as: JOSHUA CLINE | 148 HUNTER TRL FLORENCE, MS 39073 | AFLAC | $9 | — | $9 | — |
| DERRICK SIMMONS3 | 2096 NELSON SPUR RD POPE, MS 38658 | AFLAC | $8 | — | $8 | — |
| LAURA MILLS3 Filed as: LAURA OLIPHANT | 181 COUNTY RD 317 OXFORD, MS 38655 | AFLAC | $7 | — | $7 | — |
| TERESA REED3 | 1417 TRAILWOOD DR STE E GREENVILLE, MS 38701 | AFLAC | $7 | — | $7 | — |
| MIRANDA ANDREWS | 1305 LEE ST TUPELO, MS 38804 | AFLAC | $6 | — | $6 | — |
| TIMOTHY A MASSEY | 262 LAKEOVER DR W COLUMBUS, MS 39702 | AFLAC | $5 | — | $5 | — |
| EDRIAN SCOTT3 | 202 TERRAPIN CREEK RD BRANDON, MS 39042 | AFLAC | $5 | — | $5 | — |
| MATTHEW REED3 | 1357 PINEY RD CROSBY, MS 39633 | AFLAC | $3 | — | $3 | — |
| HALEY NICOLE HARDWICK3 Filed as: HALEY HARDWICK | 455 DEERFIELD RD CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | — |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $2 | — | $2 | — |
| JENNIFER MARIE MALLEY3 Filed as: JENNIFER MALLEY | 420 S CHURCH ST FLORENCE, MS 39073 | AFLAC | $1 | — | $1 | — |
| PETER B WILKINSON JR Filed as: PETER B WILKINSON, JR | 1408 LANCELOT AVE WOLFFORTH, TX 73982 | AFLAC | $1 | — | $1 | — |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 247 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $164K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $164K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $164K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.