| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS INC3 | P O BOX 1489 MADISON, MS 39139 | GREAT MIDWEST INSURANCE COMPANY | $21K | — | $21K | 6.85% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | GREAT MIDWEST INSURANCE COMPANY | $10K | — | $10K | 3.15% |
| JAMES H KING3 | ROSS AND YERGER INSURANCE INC P O BOX 1139 JACKSON, MS 39215 | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | $5K | — | $5K | 1.58% |
| CORPORATE BENEFITS INC3 | P O BOX 1489 MADISON, MS 39130 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| JIM KING3 | ROSS AND YERGER INSURANCE INC P O BOX 1139 JACKSON, MS 39215 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CORPORATE BENEFITS INC3 | P O BOX 1489 MADISON, MS 39130 | STARMOUNT LIFE INSURANCE COMPANY | $369 | — | $369 | 7.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS EIN 64-0295748 CLAIMS ADMIN | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $102K |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 303 | $305K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 50 | $36K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 401 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 401 | $77K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 303 | $611K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 401 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.