| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH W. JOHNSON, JR.3 | 9135 CAROTHERS PKWY SUITE 105 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 1.70% |
| HUBERT MOORE3 | 211 ATHENS WAY SUITE 200 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 1.62% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86K | $16K | $102K | 23.85% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $73K | $11K | $85K | 28.89% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $12K | $51K | 19.52% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI | 613 CRESCENT CIRCLE STE 201 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 17.31% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $117K | $19K | $136K | 92.97% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | — | $84K | 61.07% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIR STE 201 RIDGELAND, MS 391578686 | VISION SERVICE PLAN | $3K | — | $3K | 2.60% |
| RENASANT INSURANCE3 | P.O. BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.00% |
| SENIORCAREUSA LLC3 | P.O. BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $7K | — | $7K | 15.00% |
| JOHN MARSHALL RUSSELL3 | RUSSELL FINANCIAL SERVICES, INC. 1106 NORTH LAMAR, STE 200 OXFORD, MS 38655 | MISSISSIPPI EYE CARE ALLIANCE, LLC | $3K | — | $3K | 8.00% |
| J DAVID BUTLER3 Filed as: DAVID CHANCE | ACUITY GROUP OF MISSISSIPPI 613 CRESCENT CR STE 201 RIDGELAND, MS 39157 | MISSISSIPPI EYE CARE ALLIANCE, LLC | $1K | — | $1K | 3.00% |
| RENASANT INSURANCE AGENCY3 | ATTN BRAD ROBERTSON TUPELO, MS 38802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.08% |
| DAVID STEPHENS3 | 2240 MILITARY RD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $925 | $345 | $1K | 6.32% |
| KIMBERLY DAWN ROBINSON3 | 530 MCCORD ST WEST POINT, MS 39773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $38 | $566 | 2.82% |
| MELISSA WALKER3 | 519 SHELLEY ROAD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $25 | $66 | 0.33% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| RENASANT INSURANCE3 | PO BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.74% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $698 | — | $698 | 7.83% |
| RENASANT INSURANCE AGENCY3 | ATTN BRAD ROBERTSON TUPELO, MS 38802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 10.63% |
| DAVID STEPHENS3 | 2240 MILITARY RD COLUMBUS, MS 39705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $36 | $90 | 8.78% |
| KIMBERLY DAWN ROBINSON3 | 530 MCCORD ST. WEST POINT, MS 39773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $4 | $55 | 5.37% |
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 | 1,201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 367 | $2.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 611 | $147K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,688 | $867K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 885 | $167K |
| Long-term disability(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,627 | $363K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 367 | $1.2M |
| Other(7 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,688 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,688 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.