| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM GARNER | ROSS AND YERGER INSURANCE INC P O BOX 1139 JACKSON, MS 39215 | BLUE CROSS BLUE SHIELD OF MS, INC | $21K | — | $21K | 3.62% |
| VARIOUS - SEE ATTACHED Filed as: AFLAC BENEFITS ADVISORS, INC | P O BOX 84428 LINCOLN, NE 68501 | VISION SERVICE PLAN | $261 | — | $261 | 9.12% |
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | PRINCIPLE LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 172 | $576K |
| Vision | VISION SERVICE PLAN | 24 | $3K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 146 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.