| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLLIER INSURANCE3 | 606 S MENDALHALL ROAD SUITE 200 MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $0 | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $5K | $34K | 15.18% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | HUMANA INSURANCE COMPANY | $38K | — | $38K | 17.99% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INSURANCE CORP. | P O BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 4.41% |
| BAFFIN BAY MARKETING GROUP, LLC0 | P O BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 3.61% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | CIGNA | $47K | — | $47K | 23.11% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $4K | $43K | 22.15% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $8K | $45K | 24.46% |
| AMERICAN FIDELITY GENERAL AGENCY3 | 9000 CAMERON PARKWAY OKLAHOMA CITY, OK 73114 | AMERICAN FIDELITY GENERAL AGENCY, INC. | $20K | — | $20K | 18.31% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $15K | 24.25% |
| EVELYN P CORBETT3 | LEA PASLAY INSURANCE INC. 139 BENTGRASS SALTILLO, MS 38866 | MUTUAL OF OMAHA | $3K | — | $3K | 6.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 81-0170040 | Claims processing Service code 12 | SC 2350 WELLESLEY HILLS, MA 02481 | $42K |
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 | 1,062 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $283K |
| Vision | AMERICAN FIDELITY GENERAL AGENCY, INC. | 1,380 | $110K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,062 | $249K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 830 | $221K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,062 | $196K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 884 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,380 | — |
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."
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.