| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 3.40% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| JANICE E JOHNSON3 | 4885 MCINTOSH ROAD OXFORD, AL 36203 | AFLAC | $82 | — | $82 | 9.61% |
| DERRICK L. WILSON AND OTHER AGENTS3 Filed as: DERRICK LYMOINE WILSON | 1223 SAGEWOOD PLACE SW JACKSONVILLE, AL 36265 | AFLAC | $33 | — | $33 | 3.87% |
| KELVIN MICHAEL RICE3 | 623 WESTBROOK ROAD DOTHAN, AL 36303 | AFLAC | $12 | — | $12 | 1.41% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DRIVE OPELIKA, AL 36801 | AFLAC | $1 | — | $1 | 0.12% |
| HAYS COMPANIES, INC.3 Filed as: GINA G HAYS | 10786 MONTEREY WOODS COVE EADS, TN 38028 | AFLAC | $1 | — | $1 | 0.12% |
| DANIEL G ALLEN3 | 1470 BEAVER CREEK ROAD BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.12% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRAIL JAMESTOWN, TN 38556 | AFLAC | $1 | — | $1 | 0.12% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 239 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 239 | $1.9M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $62K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $62K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.