| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE | PO BOX 1139 JACKSON, MS 39215 | IRONSHORE INDEMNITY INC | $47K | — | $47K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 6.19% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 8.07% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.93% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 36.13% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 20.02% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 15.86% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $119 | $2K | 5.06% |
| VALERIE VOYLES3 Filed as: VALERIE KAY VOYLES | 1607 JOYNER AVE TUPELO, MS 38804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.82% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $246 | $2K | 4.41% |
| DEANNA L ROBERTS3 | PO BOX 4311 TUPELO, MS 38803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $3 | $37 | 0.09% |
| JONATHAN ROBERTS3 | 5420 WALNUT GROVE RD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| 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 | $148K |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 619 | $190K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 619 | $190K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $52K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC | 634 | $315K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.