| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 9.60% |
| JOHN RENE WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 5.40% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE CROSSING CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $68 | $2K | 2.14% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY ROAD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $434 | $2K | 1.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P O BOX 1490 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.64% |
| JULIA B SMITH3 | 3188 DOVER ROAD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $139 | $2K | 1.37% |
| MARGARET ANN GRUBBS3 | 5136 GREEN GABLE ROAD TERRY, MS 39170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $967 | $241 | $1K | 1.08% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $671 | $371 | $1K | 0.93% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $354 | $787 | 0.71% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $336 | $537 | 0.48% |
| WESLEY MILLER BROOKER3 | 310 RED CEDAR DRIVE BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $119 | $236 | 0.21% |
| HOUSTON LANCE PERSAC3 | 953 HIGHWAY 51 SUITE 2 MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 0.21% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.20% |
| BRAD DACUS3 | 835 N SANGA ROAD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $8 | $205 | 0.18% |
| JEANIE MARIE MCKNIGHT3 | 14191 SADDIE STREET DIVERVILLE, MS 39540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $3 | $141 | 0.13% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $1 | $131 | 0.12% |
| WILLIAM DAVID COOKE3 | 155 EAST SUNSET DRIVE BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.11% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LANE BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.07% |
| GEORGE JOSEPH DAVIS3 | 71360 KELLER STREET ABITA SPRINGS, LA 70420 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| MARGARET PUTNAM JEPSON3 | 138 MULLHERRIN DRIVE MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $2 | $31 | 0.03% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS ROAD MENDENHALL, MS 39114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| INSGROUP INC3 Filed as: 1ST CHOICE DIRECT INSURANCE GROUP I | 10 CANEBRAKE FLOWOOD, MS 39232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| STEVEN WELTON GREGORY3 | 614 CAMEILLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.01% |
| PAM ENTERPRISES INC3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 16.04% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $452 | $37 | $489 | 16.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 47-0676824 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator; Contract Administrator Service code 12 | — | $318K |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 525 | $113K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 525 | $113K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $63K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 247 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.