| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $9K | $34K | 20.59% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 17.57% |
| COWLEY INSURANCE SERVICES INC3 | C/O COWLEY INSURANCE SERVICES PLANTERSVILLE, MS 38862 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $203 | $5K | 7.31% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | $167 | $752 | 1.03% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $413 | $653 | 0.90% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 0.29% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS EIN 64-0295748 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | PO BOX 1043 JACKSON, MS 39215 | $188K |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 753 | $190K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 753 | $190K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $167K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $167K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $167K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 282 | $297K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.