| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | SUITE 100 VISION DRIVE JACKSON, MS 39211 | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | $12K | $3K | $15K | 2.15% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1489 MADISON, MA 39130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | SUITE 100 VISION DRIVE JACKSON, MS 39211 | GUARDIAN | $43K | $2K | $45K | 43.32% |
| JAMES H KING3 | PO BOX 1489 MADISON, MS 39130 | GUARDIAN | $206 | $0 | $206 | 0.20% |
| CORPORATE BENEFITS INC3 | 132 WAYS WAY PO BOX 1489 MADISON, MS 39130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 13.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER | 100 VISION DR. STE 100 JACKSON, MS 39211 | HM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1489 MADISON, MS 39130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | 390 | $715K |
| Dental | GUARDIAN | 394 | $105K |
| Vision | HM LIFE INSURANCE COMPANY | 526 | $53K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 485 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
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.