| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DRIVE, SUITE 100 JACKSON, MS 39211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $2K | $45K | 14.32% |
| WAYNE C KIM3 Filed as: WAYNE C. KIM | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | AFLAC | $5K | $103 | $5K | 9.73% |
| RANDALL D LADNER3 Filed as: RANDALL D. LADNER AND OTHER AGENTS | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $388 | $0 | $388 | 0.76% |
| MARK BUTLER INC3 Filed as: MARK BUTLER, INC. | 747 HOLLY HILLS DRIVE BILOXI, MS 39532 | AFLAC | $372 | $0 | $372 | 0.73% |
| J NELSON LLC3 Filed as: J NELSON, LLC | 112 HICKORY HILLS LOOP PURVIS, MS 39475 | AFLAC | $321 | $24 | $345 | 0.68% |
| JESSICA HAWK3 | 761 GLEN VALLEY WAY GULFPORT, MS 39507 | AFLAC | $256 | $0 | $256 | 0.50% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DRIVE MADISON, MS 39110 | AFLAC | $237 | $0 | $237 | 0.47% |
| NICOLE R HUFFMAN3 Filed as: NICOLE R. HUFFMAN | 106 EAST CRANFORD AVENUE VALDOSTA, GA 31602 | AFLAC | $210 | $0 | $210 | 0.41% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $315K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $315K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $315K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $315K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $315K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.