| 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 39125 | PACE UNDERWRITERS | $10K | — | $10K | 7.41% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 13.67% |
| CARL G BOUTWELL3 | 109 FERN DRIVE BRANDON, MS 39042 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.33% |
| SCOTT BINGHAM3 | PO BOX 1139 JACKSON, MS 39201 | MERITAIN HEALTH | $7K | — | $7K | 8.23% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY ST. LOUIS, MO 63141 | MERITAIN HEALTH | — | $7K | $7K | 7.18% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $5K | $5K | 5.00% |
| TIM LOWERY3 | LOWERY INSURANCE, INC. 1307 AIRPORT ROAD, SUITE 3A FLOWOOD, MS 39232 | MERITAIN HEALTH | $2K | — | $2K | 1.77% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.71% |
| GLYNN GRIFFING & ASSOCIATES3 | 1771A LELIA DRIVE JACKSON, MS 39216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $628 | — | $628 | 1.35% |
| GLYNN GRIFFING & ASSOCIATES3 Filed as: GLYNN GRIFFING & ASSOCIATES, PA | PO BOX 16509 JACKSON, MS 39236 | METLIFE INSURANCE COMPANY | $4K | — | $4K | 17.74% |
| RAMONA S PEARCE3 Filed as: RAMONA S. PEARCE | 432 GULDE ROAD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $681 | — | $681 | 2.86% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $341 | — | $341 | 1.43% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $804 | — | $804 | 8.23% |
| MARKETING SERVICES3 | P O BOX 368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $173 | — | $173 | 1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W. WAUSAU AVENUE WAUSAU, WI 54401 | $36K |
| HEALTHSMART EIN 20-1504892 SERVICE PROVIDER | Contract Administrator; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 222 WEST LAS COLINAS BLVD #500 IRVING, TX 75039 | $16K |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MERITAIN HEALTH | 138 | $91K |
| Vision | MERITAIN HEALTH | 138 | $91K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $56K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 144 | $113K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 144 | $103K |
| Other(2 contracts, 2 carriers) | PACE UNDERWRITERS | 135 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.