| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL MIZE JR3 Filed as: PAUL MIZE JR. | PO BOX 1668 TUPELO, MS 38802 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $32K | — | $32K | 3.35% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE | P O BOX 1139 JACKSON, MS 39215 | CIGNA GROUP INSURANCE | $2K | — | $2K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE | PO BOX 1139 JACKSON, MS 39215 | CIGNA GROUP INSURANCE | $1K | — | $1K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE | P O BOX 1139 JACKSON, MS 39215 | CIGNA GROUP INSURANCE | $133 | — | $133 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF MS EIN 64-0295748 | Other insurance fees and expenses Service code 73 | PO BOX 1668 TUPELO, MS 38802 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Contract Administrator Service code 13 | PO BOX 20643 LEHIGH VALLEY, PA 180020643 | $0 |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 188 | $949K |
| Life insurance | CIGNA GROUP INSURANCE | 0 | $10K |
| Short-term disability | CIGNA GROUP INSURANCE | 0 | $886 |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.