| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY GREENE3 Filed as: KIMBERLY A GREENE | ROSS AND YERGER INSURANCE INC PO BOX 1139 JACKSON, MS 392151139 | IRONSHORE INDEMNITY INC. | $66K | — | $66K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | P O BOX 1139 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 5.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $13K | $57K | 25.85% |
| EMPLOYEE BENEFIT SPECIALISTS3 | 4075 BRANDON JAMES DRIVE BILOXI, MS 39532 | HUMANA INSURANCE COMPANY | $22K | — | $22K | 12.50% |
| JAMES HARRIS3 | P O BOX 4013 TUPELO, MS 38803 | HUMANA INSURANCE COMPANY | $14K | — | $14K | 7.50% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| COASTAL STATES INSURANCE CORP3 | PO BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $1K | $12K | 16.46% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | P O BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 22.60% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH ANERICA | $5K | $563 | $6K | 16.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS EIN 64-0295748 NONE | Contract Administrator Service code 13 | — | $446K |
| ACCLAIM, INC. NONE | Contract Administrator Service code 13 | — | $50K |
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 | 969 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 969 | $395K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,137 | $266K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,137 | $116K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH ANERICA | 0 | $37K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC. | 1,073 | $441K |
| Other(2 contracts, 2 carriers) | IRONSHORE INDEMNITY INC. | 1,073 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,137 | — |
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.
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.