| 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 | $35K | — | $35K | 3.54% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.98% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.75% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.74% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $797 | $3K | 20.79% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $430 | $506 | $936 | 10.87% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 294 | $978K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 356 | $86K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 356 | $86K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $53K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.