| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | BLUE CROSS BLUE SHEILD | — | — | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | IRONSHORE INDEMNITY A LIBERTY MUTUAL COMPANY | $43K | — | $43K | 15.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | HARTFORD LIFE AND ACCIDENT | $12K | $519 | $13K | 12.51% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.21% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 41.35% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.75% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.00% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD | 321 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $28K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $60K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 287 | $191K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.