| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YEAGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $139K | $19K | $157K | 22.71% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $135K | $19K | $154K | 28.46% |
| RENASANT INSURANCE3 | PO BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 22.88% |
| 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 | $28K | — | $28K | 7.35% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.37% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | $17K | $75K | 19.39% |
| RENASANT INSURANCE3 | PO BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | — | $62K | 18.47% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.07% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | TRANSAMERICA LIFE INSURANCE COMPANY | $40K | — | $40K | 12.73% |
| RENASANT INSURANCE3 Filed as: RENASANT INSURANCE, INC | PO BOX 789 CORINTH, MS 38835 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.60% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | $655 | — | $655 | 0.21% |
| RONNIE SPEDALE3 | 917 TEZCUCCO CT. COVINGTON, LA 70433 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | — | $40 | 0.01% |
| RENASANT INSURANCE3 Filed as: RENASANT INSURANCE, INC. | PO BOX 789 CORINTH, MS 388350789 | VISION SERVICE PLAN | $3K | — | $3K | 1.22% |
| 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 | $22K | — | $22K | 9.11% |
| RENASANT INSURANCE3 | PO BOX 1808 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 4.72% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| RENASANT INSURANCE3 | PO BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 22.00% |
| 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 | PO BOX 1808 TUPELO, MS 38802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 21.41% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO 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 | 2,265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 603 | $2.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,466 | $353K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,162 | $785K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,194 | $337K |
| Long-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,188 | $1.2M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,104 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,188 | — |
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."
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.