| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 4.01% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $124 | $28K | 13.06% |
| BOBBY COLEMAN LLC | PO BOX 387 STARKVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 18.11% |
| PREWITT HEATH M | 1423 PINECREST RD STARKVILLE, MS 39759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 6.03% |
| REESE INSURANCE LLC | 1600 HIGHLAND CIRCLE AMORY, MS 38821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 4.80% |
| JUSTIN ROBERTS AGENCY LLC | 115 STATE HIGHWAY 15 S NEW ALBANY, MS 38652 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.69% |
| BOBBY COLEMAN LLC | PO BOX 387 STARKVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.39% |
| BARRACK JON A | 785 VALLEYBROOK DRIVE MEMPHIS, TN 38120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.56% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $124 | $38K | 20.07% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $124 | $37K | 20.07% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | CIGNA | $36K | — | $36K | 19.94% |
| EVELYN P CORBETT3 Filed as: EVELYN P. CORBETT | 2045 CLAYTON ROAD TUPELO, MS 38804 | METLIFE INSURANCE COMPANY | $29K | — | $29K | 17.99% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 711153863 | METLIFE INSURANCE COMPANY | $3K | — | $3K | 2.03% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 390429636 | METLIFE INSURANCE COMPANY | $3K | — | $3K | 1.94% |
| BOBBY COLEMAN LLC3 | PO BOX 387 STARKVILLE, MS 39760 | STARMOUNT LIFE INSURANCE COMPANY | $13K | — | $13K | 12.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $124 | $13K | 20.20% |
| EVELYN P CORBETT3 | LEA PASLAY INSURANCE INC. 139 BENTGRASS SALTILLO, MS 38866 | MUTUAL OF OMAHA | $2K | — | $2K | 6.89% |
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 | 1,034 | 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) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 799 | $107K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,099 | $247K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 735 | $215K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,099 | $190K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 961 | $597K |
| Other(7 contracts, 6 carriers) | UNITED BEHAVIORAL HEALTH | 1,099 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.