| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $604 | $6K | 7.93% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 5.91% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $124 | $2K | 2.21% |
| LAUREN SWAIN3 | 123 GARRISON WAY FLOWOOD, MS 39232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $687 | $159 | $846 | 1.06% |
| APRIL MECHATTO3 | 5107 OBRYAN AVE GULFPORT, MS 39507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $660 | $91 | $751 | 0.94% |
| REBECCA LYNN SMITH3 | 103 GRANFIELD COURT CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $76 | $741 | 0.93% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | $137 | $503 | 0.63% |
| LISA S LEE3 Filed as: LISA S. LEE | 5794 SCR 131 MORTON, MS 39117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $53 | $481 | 0.60% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $16 | $389 | 0.49% |
| WILLIAM SPEED3 Filed as: WILLIAM MCNEESE | 108 BRITTANY WAY MADISON, MS 39110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.23% |
| THOMAS A TURNER IV INSURANCE LLC3 | 909 BAY RIDGE DR. JACKSON, MS 39211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.22% |
| KEN D CUPIT3 | PO BOX 138 LIBERTY, MS 39645 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $2 | $158 | 0.20% |
| EMILY MEGUMI ERVIN3 | 1012 HWY 43 N PELAHATCHIE, MS 39145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $1 | $157 | 0.20% |
| VIRGINIA W LAVENDER3 | 1915 BARNES RD CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $8 | $121 | 0.15% |
| CONSTANCE R WALKER3 | 2361 HIGHWAY 49 SOUTH FLORENCE, MS 39073 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.09% |
| COWLEY INSURANCE SERVICES INC3 | 1781 SUMMERLAKE DR. TUPELO, MS 38803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.07% |
| ASHLEY S WALDRUP3 Filed as: ASHLEY SCOTT | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| SEHC BENEFITS LLC3 | 242 SAWBRIDGE DR. RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DRIVE CLINTON, MS 39056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JEREMY CRAIG COWLEY3 | 13C CR 317 OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE LOVELACE AGENCY INC3 | 349 SWAN LAKE DR JACKSON, MS 39212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JUDGE BLOUNT3 | 2407 SOUTH SHORE DR. BILOXI, MS 39532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | P O BOX 1139 JACKSON, MS 39215 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 12.00% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR ST STE 700 P O BOX 1139 JACKSON, MS 39215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 19.20% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | P O BOX 1139 JACKSON, MS 392151139 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 12.00% |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | NATIONAL GUARDIAN LIFE | 325 | $43K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $80K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 194 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.