| 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. | $18K | — | $18K | 1.45% |
| HUBERT MOORE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $18K | — | $18K | 1.45% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $101K | $19K | $120K | 23.87% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $95K | $16K | $111K | 29.18% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46K | $15K | $61K | 19.98% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI LLC | 613 CRESCENT CIRCLE STE 201 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $1K | $40K | 23.37% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIR STE 201 RIDGELAND, MS 391578686 | VISION SERVICE PLAN | $4K | — | $4K | 2.21% |
| 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 | $69K | $139 | $69K | 43.45% |
| 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 | $77K | — | $77K | 50.11% |
| RENASANT INSURANCE3 | PO BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.00% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 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 | $9K | — | $9K | 15.00% |
| RENASANT INSURANCE3 | P.O. BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.00% |
| SENIORCAREUSA LLC3 | P.O. BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.00% |
| J DAVID BUTLER3 Filed as: DAVID CHANCE | ACUITY GROUP OF MISSISSIPPI 613 CRESCENT CR, SUITE 201 RIDGELAND, MS 39157 | MISSISSIPPI EYE CARE ALLIANCE, LLC | $1K | — | $1K | 3.00% |
| 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 | 12.00% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $889 | — | $889 | 8.00% |
| HOLMES SHAW INC3 | 2860 FERRY ROAD SUITE 200 MARIETTA, GA 30062 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $1K | — | $1K | 18.94% |
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 | 1,629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,672 | 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 | 430 | $2.9M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 864 | $206K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,672 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $172K |
| Long-term disability(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,612 | $499K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 430 | $1.6M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,672 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,672 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.