| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $177K | $177K | 2.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $63K | $63K | 0.95% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 0.84% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 4.91% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 17.13% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $1K | $10K | 9.87% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $535 | $6K | 10.74% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $796 | $1K | $2K | 6.03% |
| DENISE J LEWIS-YOUNG3 Filed as: DENISE J LEWIS YOUNG | 2774 NIBLICK WAY DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $527 | $2K | 5.05% |
| DAVID TYLER BURRUS3 | 254 STRATHAVEN LANE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $504 | $697 | 1.92% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $331 | $643 | 1.77% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 38949 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $530 | $84 | $614 | 1.69% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $352 | $193 | $545 | 1.50% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $387 | $155 | $542 | 1.49% |
| COURTNAY STEPHENSON WARNER3 | 600 ALLANA COURT STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $494 | — | $494 | 1.36% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $277 | $486 | 1.34% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE ROAD TERRY, MS 39170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $390 | $41 | $431 | 1.19% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE CROSSING CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $401 | $15 | $416 | 1.15% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $90 | $329 | 0.91% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $232 | $321 | 0.88% |
| ERICA R STEPHENSON3 | 600 ALLANA COURT STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 0.84% |
| GAB INTERNATIONAL LLC3 | 67 ASHTON PLACE NEWNAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.39% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DRIVE BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $74 | $134 | 0.37% |
| FRIDA JANVIER3 | 750 WETHERBORN PLACE STONE MOUNTAIN, GA 30083 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.31% |
| DEBRA E RUSSELL3 | 129 COLONIAL STREET SE PORT CHARLOTTE, FL 33952 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 3625 CUMBERLAND BLVD SE ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| PORSCHE LOVE3 | 935 MARIETTA ST NW SUITE 240 ATLANTA, GA 30318 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.08% |
| AYB BENEFITS INC3 | 2209 SCENIC DRIVE SNELLVILLE, GA 30078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $4 | $22 | 0.06% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| THOMESE SCALES-BARANCO3 | C/O TSG FINANCIAL SERVICES 305 MEMORIAL DRIVE BLDG B STONE MOUNTAIN, GA 30083 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Claims processing; Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $238K |
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 | 768 | 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) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 829 | $6.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 633 | $400K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 543 | $99K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 768 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 768 | $53K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 768 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.