| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | 100 VISION DR SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 8.74% |
| CORNETT GROUP INC3 | 301 S 40TH AVE HATTIESBURG, MS 39402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 6.36% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 11.57% |
| CORNETT GROUP INC3 | PO BOX 18440 HATTIESBURG, MS 39404 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 8.43% |
| ROBERT SANFORD3 | BENEFITS MANAGEMENT GROUP 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | — | — | $0 | — |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 100 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $233K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $233K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 301 | $231K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 301 | $231K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 301 | $231K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.