| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | BLUE CROSS BLUE SHEILD | — | — | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | IRONSHORE INDEMNITY A LIBERTY MUTUAL COMPANY | $35K | — | $35K | 11.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | IRONSHORE INDEMNITY A LIBERTY MUTUAL COMPANY | $12K | — | $12K | 3.78% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | HARTFORD LIFE AND ACCIDENT | $9K | $307 | $10K | 9.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 3.06% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $124 | $9K | 11.17% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.98% |
| 7 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $210 | $2K | 5.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $770 | $163 | $933 | 2.27% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $295 | $5K | 12.40% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 29.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.59% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST, STE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $144 | $3K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $107 | $1K | 5.01% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD | 336 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 322 | $31K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $69K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 302 | $189K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.