| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.39% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $821 | — | $821 | 10.17% |
| TURNER JR, ROBERT D3 Filed as: TURNER SR, ROBERT D | 1640 LELIA DR SUITE 210 JACKSON, MS 39216 | STARMOUNT LIFE INSURANCE COMPANY | $942 | — | $942 | 12.04% |
| OLIVER GAILA3 | 1470 HIGHWAY 1 S GREENVILLE, MS 38701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.33% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER | 100 VISION DR SUITE 100 JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.33% |
| STRINGER FINL GROUP INC3 Filed as: STRINGER FINL GRP INC | 215 HWY 82 EAST GREENVILLE, MS 38701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.17% |
| SMITH NAPOLEON3 | 6700 OLD CANTON ROAD SUITE A RIDGELAND, MS 39157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| M PALMER INSURANCE3 | PO BOX 1214 WAYNESBORO, MS 39367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DR SUITE 100 JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.92% |
| RASCOE BRENDA K3 | PO BOX 31064 JACKSON, MS 39206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.86% |
| SMITH NAPOLEON3 | 6700 OLD CANTON ROAD SUITE A RIDGELAND, MS 39157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.61% |
| STRINGER FINL GROUP INC3 | 215 HWY 82 EAST GREENVILLE, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.24% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DR SUITE 100 JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 9.99% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DR SUITE 100 JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 11.75% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DR SUITE 100 JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 9.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS CLAIMS ADMIN | Contract Administrator; Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3545 LAKELAND DRIVE FLOWOOD, MS 39232 | $68K |
| ROAS AND YERGER INSURANCE INC BROKER | Insurance services; Insurance agents and brokers Service code 22 | P O BOZ 1139 JACKSON, MS 39215 | $3K |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 336 | $92K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $8K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 336 | $84K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 336 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.