| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY GREENE3 Filed as: KIMBERLY A. GREENE | P O BOX 1139 JACKSON, MS 392151139 | IRONSHORE INDEMNITY INC | $55K | — | $55K | 12.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 13.00% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | HUMANA INSURANCE COMPANY | $33K | — | $33K | 17.99% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INSURANCE CORP. | P O BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 4.41% |
| BAFFIN BAY MARKETING GROUP, LLC0 | P O BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 3.61% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 20.00% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | CIGNA | $53K | — | $53K | 34.02% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS ANDS YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 20.00% |
| EVELYN P CORBETT3 | LEA PASLAY INSURANCE INC. 139 BENTGRASS SALTILLO, MS 38866 | MUTUAL OF OMAHA | $4K | — | $4K | 6.02% |
| DAVID R JENKINS3 | 132 PAM AVENUE GUNTOWN, MS 38849 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.14% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE, INC | P O BOX 1139 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
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 | 880 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY INC | 880 | $460K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 663 | $33K |
| Vision | AMERICAN GENERAL LIFE INSURANCE COMPANY | 573 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 947 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $195K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 947 | $161K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 732 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.