| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64K | $9K | $73K | 17.05% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP MISSISSIPPI LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | TRANSAMERICA LIFE INSURANCE COMPANY | $69K | — | $69K | 18.89% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | $766 | — | $766 | 0.21% |
| RONNIE SPEDALE3 | 917 TEZCUCCO CT. COVINGTON, LA 70433 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | — | $40 | 0.01% |
| 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 | $56K | — | $56K | 18.30% |
| 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 | $68K | $258 | $69K | 23.80% |
| RENASANT INSURANCE3 | PO BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.00% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIR STE 201 RIDGELAND, MS 39157 | VISION SERVICE PLAN | $4K | — | $4K | 1.58% |
| 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 | $58K | $150 | $58K | 24.40% |
| RENASANT INSURANCE3 | P.O. BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 11.15% |
| SENIORCAREUSA LLC3 | P.O. BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.43% |
| 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 | $12K | — | $12K | 15.00% |
| J DAVID BUTLER3 Filed as: DAVID CHANCE | ACUITY GROUP OF MISSISSIPPI 613 CRESCENT CR, SUITE 201 RIDGELAND, MS 39157 | INDEPENDENT EYE CARE PROFESSIONALS, INC. | $2K | — | $2K | 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% |
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 | 2,589 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 549 | $2.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,437 | $321K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 697 | $238K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,113 | $305K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,145 | $552K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 549 | $2.3M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,104 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,145 | — |
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.