| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $118K | $21K | $139K | 23.61% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110K | $20K | $130K | 29.60% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | $17K | $71K | 19.69% |
| 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 | $55K | $2K | $57K | 24.54% |
| 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 | $44K | $2K | $46K | 20.75% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | PROVIDENT LIFE AND ACCIDENT INSURANCY COMPANY | $44K | $1K | $45K | 22.02% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIR STE 201 RIDGELAND, MS 39157 | VISION SERVICE PLAN | $3K | — | $3K | 1.79% |
| RENASANT INSURANCE3 | P.O. BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.96% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.98% |
| J DAVID BUTLER3 Filed as: DAVID CHANCE | ACUITY GROUP OF MISSISSIPPI 613 CRESCENT CR, SUITE 201 RIDGELAND, MS 39157 | MISSISSIPPI EYE CARE ALLIANCE, LLC | $2K | — | $2K | 3.00% |
| 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 | $10K | — | $10K | 15.00% |
| RENASANT INSURANCE3 | P.O. BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.00% |
| SENIORCAREUSA LLC3 | P.O. 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. | P.O. BOX 1139 JACKSON, MS 392151139 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| RENASANT INSURANCE3 | PO BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.80% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.87% |
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 | 2,365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 489 | $2.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,015 | $267K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,028 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 974 | $221K |
| Long-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,753 | $520K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 489 | $2.0M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,028 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,028 | — |
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.