| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE | PO BOX 1139 JACKSON, ME 39215 | IRONSHORE INDEMNITY INC | $29K | — | $29K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.13% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 19.03% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 0.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.01% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | FEDERAL INSURANCE COMPANY | $506 | $17 | $523 | 15.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS EIN 64-0295748 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | PO BOX 1043 JACKSON, MS 39215 | $85K |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 112 | $82K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 103 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $58K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $58K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC | 158 | $193K |
| Other | FEDERAL INSURANCE COMPANY | 201 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.