| 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 | $25K | — | $25K | 2.06% |
| 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 | — | $4K | $4K | 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 | $2K | $7K | 20.22% |
| SCOTT BINGHAM3 | P O BOX 1139 JACKSON, MS 392151139 | DAVIS VISION | $1K | — | $1K | 10.03% |
| MWL3 | P O BOX 14067 JACKSON, MS 392364067 | DAVIS VISION | $1K | — | $1K | 9.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $354 | $2K | 19.15% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 0 | $1.2M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 114 | $84K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.