| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 392151139 | IRONSHORE INDEMNITY INC. | $69K | — | $69K | 15.00% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 4.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.84% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $48K | $9K | $57K | 19.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.40% |
| EMPLOYEE BENEFIT SPECIALISTS3 | 169A LAMEUSE ST BILOXI, MS 39530 | HUMANA INSURANCE COMPANY | $24K | — | $24K | 12.50% |
| JAMES HARRIS3 | P O BOX 4013 TUPELO, MS 38803 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 7.50% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 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 | CIGNA GROUP INSURANCE | $7K | — | $7K | 11.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA GROUP INSURANCE | $2K | — | $2K | 3.38% |
| EMPLOYEE BENEFIT SPECIALISTS3 | 169A LAMEUSE ST BILOXI, MS 39530 | METLIFE INSURANCE COMPANY | $4K | — | $4K | 12.50% |
| JAMES HARRIS3 | PO BOX 4013 TUPELO, MS 38803 | METLIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| COASTAL STATES INSURANCE CORP3 Filed as: COASTAL STATES INSURANCE GROUP | PO BOX 1042 PELAHATCHIE, MS 39145 | METLIFE INSURANCE COMPANY | $360 | — | $360 | 1.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | P O BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 18.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $949 | — | $949 | 2.75% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | CIGNA GROUP INSURANCE | $4K | — | $4K | 11.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA GROUP INSURANCE | $1K | — | $1K | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 64-0295748 NONE | Contract Administrator Service code 13 | — | $543K |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,176 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,139 | $443K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,413 | $326K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 1,413 | $95K |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $31K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC. | 1,199 | $457K |
| Other(2 contracts, 2 carriers) | IRONSHORE INDEMNITY INC. | 1,199 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,413 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.