| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $34K | $10K | $45K | 9.65% |
| 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 | $30K | $3K | $33K | 16.47% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST SUITE B TOLDEO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 8.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | RECURO HEALTH INC | $48K | — | $48K | 54.06% |
| 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 | $6K | $759 | $6K | 10.43% |
| 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 | $8K | $675 | $9K | 16.25% |
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 | 804 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 733 | $462K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 733 | $462K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 804 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $202K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 804 | $61K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 804 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.