| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $124 | $124 | 0.11% |
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $124 | $124 | 0.11% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $318 | $7K | 7.25% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $885 | $4K | 4.22% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $183 | $2K | 2.11% |
| HEATHER SUE GIPSON3 | 12 PARK PLACE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $955 | $28 | $983 | 1.02% |
| PAMELA ANN BURCHETTE3 | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $894 | $61 | $955 | 0.99% |
| PATRICIA ANNE SPEED3 | 204 NORTH STONEWALL STREET ENTERPRISE, MS 39330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.37% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $59 | $308 | 0.32% |
| ADKINS BENEFITS SOLUTIONS INC3 | 6739 KING ROAD MERIDIAN, MS 39305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 0.30% |
| ANTHONY JOHN TERRANOVA3 | 108 CENTER ST FLORA, MS 39071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $1 | $279 | 0.29% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 0.27% |
| ANNA K STEWART3 Filed as: ANNA WEEMS BARNES | 405 PINE RIDGE DR MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.25% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $91 | $230 | 0.24% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $102 | $160 | 0.17% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $11 | $126 | 0.13% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.10% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES INC | P O BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.09% |
| KEN D CUPIT3 | P O BOX 138 LIBERTY, MS 39645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.08% |
| VICKI M SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.08% |
| WESLEY MILLER3 | 1101 GREENBRIAR ST JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $53 | $75 | 0.08% |
| BEC SERVICES LLC3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.08% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.08% |
| DAVID STEPHENS3 | 520 TUSCALOOSA RD COLUMBUS, MS 39702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $1 | $68 | 0.07% |
| PORTER A BURKE3 | 113 N MCGREGOR ST WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.05% |
| APRIL MECHATTO3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.05% |
| CONSTANCE R WALKER3 | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.04% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| LISA S LEE3 | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD CT CANTON, MS 39046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DR BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PATRICIA L LOVELACE3 | 147 BAILEYS RIDGE CIR CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.00% |
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $124 | $5K | 10.27% |
| ROSS & YERGER INSURANCE INC3 | P O BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $124 | $4K | 10.28% |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 397 | $50K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $164K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $116K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.