| 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 | $0 | $80K | $80K | 5.17% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $1K | $12K | 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 | $1K | $7K | 17.96% |
| 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 | $856 | $5K | 18.02% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | AFLAC | $2K | — | $2K | 8.52% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $2K | — | $2K | 8.18% |
| J LEE & ASSOCIATES INC3 Filed as: J LEE AND ASSOCIATES INC | 120 GREENVIEW PLACE SUITE 3 RICHLAND, MS 39218 | AFLAC | $350 | — | $350 | 1.43% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $270 | — | $270 | 1.11% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $181 | — | $181 | 0.74% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DRIVE MADISON, MS 39110 | AFLAC | $138 | — | $138 | 0.57% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PLACE BRANDON, MS 39047 | AFLAC | $41 | — | $41 | 0.17% |
| ROSS & YERGER INSURANCE INC3 | SUITE 100 100 VISION DRIVE JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $246 | $2K | 10.20% |
| ASSUREX GLOBAL CORPORATION3 | SUITE 360 6620 MOONEY ST DUBLIN, OH 43017 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| 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 | $485 | $3K | 18.02% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $528 | $72 | $600 | 17.03% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 107 | $109K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 106 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $28K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.