| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY MALONEY3 | ROSS AND YERGER INSURANCE INC P O BOX 1139 JACKSON, MS 39215 | BLUE CROSS BLUE SHIELD OF MS INC | $20K | $5K | $25K | 4.94% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39201 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $4K | $4K | 7.50% |
| CRESCENT DENTAL PLAN3 | P O BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.54% |
| SCOTT BINGHAM3 | P O BOX 1139 JACKSON, MS 392151139 | DAVIS VISION | $913 | — | $913 | 10.02% |
| MWL3 | P O BOX 14067 JACKSON, MS 392364067 | DAVIS VISION | $822 | — | $822 | 9.02% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $708 | $275 | $983 | 20.84% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 180 | $515K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 130 | $62K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $26K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.