| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $34K | $4K | $38K | 10.87% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | $79K | — | $79K | 24.72% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE, STE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $4K | $43K | 15.36% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE, STE 100 JACKSON, MS 39211 | UNUM INSURANCE COMPANY | $5K | $272 | $6K | 17.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $261K |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 446 | $354K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 446 | $354K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $281K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $281K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $281K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 440 | $318K |
| Other | UNUM INSURANCE COMPANY | 153 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.