| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY GREENE3 Filed as: KIMBERLY GREEN | PO BOX 1139 JACKSON, MS 39215 | BLUE CROSS BLUE SHIELD OF MS, INC. | $32K | — | $32K | 2.50% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | PO BOX 1139 JACKSON, MS 39215 | STARTMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 7.70% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | PO BOX 1139 JACKSON, MS 39215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $831 | $8K | 17.96% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | PO BOX 1139 JACKSON, MS 39215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $516 | $5K | 17.96% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | PO BOX 1139 JACKSON, MS 39215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $474 | $4K | 16.96% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | PO BOX 1139 JACKSON, MS 39215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $394 | $3K | 17.13% |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 315 | $1.3M |
| Dental | STARTMOUNT LIFE INSURANCE COMPANY | 163 | $98K |
| Vision | STARTMOUNT LIFE INSURANCE COMPANY | 163 | $98K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $61K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $24K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $26K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.