| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39125 | TOKIO MARINE | $40K | — | $40K | 7.12% |
| MIMS INSURANCE INC Filed as: MIMS INSURANCE INC. | P.O. BOX 821301 VICKSBURG, MS 39182 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 8.63% |
| ROSS & YERGER INSURANCE INC Filed as: ROSS & YERGER INSURANCE INC. | 100 VISION DR SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 5.91% |
| ROSS & YERGER INSURANCE INC Filed as: ROSS & YERGER | 100 VISION DR SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 12.18% |
| MIM INSURANCE INC | P.O. 821301 VICKSBURG, MS 39182 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.96% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $197K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $197K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $237K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $237K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 157 | $562K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.