| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | BLUE CROSS BLUE SHEILD | $0 | — | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | HARTFORD LIFE AND ACCIDENT | $12K | $836 | $13K | 12.85% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.56% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 38.13% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $808 | — | $808 | 3.06% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD | 340 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $55K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 300 | $174K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.