| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 5.27% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.25% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $890 | $7K | 18.73% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $713 | $5K | 17.64% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | AFLAC | $853 | — | $853 | 4.02% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $760 | — | $760 | 3.58% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DRIVE MADISON, MS 39110 | AFLAC | $163 | — | $163 | 0.77% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $127 | — | $127 | 0.60% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PLACE BRANDON, MS 39047 | AFLAC | $54 | — | $54 | 0.25% |
| J LEE & ASSOCIATES INC3 Filed as: J LEE AND ASSOCIATES INC | 120 GREENVIEW PLACE SUITE 3 RICHLAND, MS 39218 | AFLAC | $7 | — | $7 | 0.03% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $5 | — | $5 | 0.02% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $402 | $3K | 19.03% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $538 | $90 | $628 | 19.06% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 102 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $26K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.