| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39125 | TOKIO MARINE | $36K | — | $36K | 8.85% |
| MIMS INSURANCE INC3 | PO BOX 821301 VICKSBURG, MS 39182 | UMR INC. | $38K | — | $38K | 32.16% |
| MIMS INSURANCE INC3 | PO BOX 821301 VICKSBURG, MS 39182 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.98% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DR SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.98% |
| MIMS INSURANCE INC3 | PO BOX 821301 VICKSBURG, MS 39182 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 9.49% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | AMERITAS LIFE INSURANCE CORP | $940 | — | $940 | 1.15% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR INC. | 142 | $118K |
| Dental | AMERITAS LIFE INSURANCE CORP | 299 | $82K |
| Vision | AMERITAS LIFE INSURANCE CORP | 299 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $117K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $117K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 142 | $408K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.