| 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 | $23K | $3K | $26K | 3.23% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39201 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $5K | $5K | 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 | $5K | $999 | $6K | 18.23% |
| SCOTT BINGHAM3 | P O BOX 1139 JACKSON, MS 392151139 | DAVIS VISION | $1K | — | $1K | 10.02% |
| MWL3 | P O BOX 14067 JACKSON, MS 392364067 | DAVIS VISION | $1K | — | $1K | 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 | $786 | $174 | $960 | 18.31% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 230 | $806K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 158 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $31K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.