| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: JOSEPH FRANCIS ROSS & YERGER | INSURANCE, INC. P.O. BOX 1139 LITTLE ROCK, AR 72203 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $13K | — | $13K | 2.33% |
| THERESA ALLEN3 | MCGRIFF INSURANCE SERVICES,INC. 1020 HIGHLAND COLONY PKWY.,STE 302 RIDGELAND, MS 39157 | AMFIRST INSURANCE COMPANY | $8K | — | $8K | 12.64% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 392364067 | AMFIRST INSURANCE COMPANY | $3K | — | $3K | 5.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: SCOTT BINGHAM ROSS & YERGER | INSURANCE, INC. P.O. BOX 1139 JACKSON, MS 392151139 | AMFIRST INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 13.73% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $312 | $31 | $343 | 0.72% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $909 | $8K | 20.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $143 | $3K | 19.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSION P.O. BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| THERESA ALLEN3 | MCGRIFF INSURANCE SERVICES,INC. 1020 HIGHLAND COLONY PKWY.,STE 302 RIDGELAND, MS 39157 | AMFIRST INSURANCE COMPANY | $2K | — | $2K | 12.28% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 392364067 | AMFIRST INSURANCE COMPANY | $852 | — | $852 | 5.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: SCOTT BINGHAM ROSS & YERGER | INSURANCE, INC. P.O. BOX 1139 LITTLE ROCK, AR 72203 | AMFIRST INSURANCE COMPANY | $462 | — | $462 | 2.71% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 392364067 | SPECTERA | $2K | — | $2K | 12.20% |
| THERESA ALLEN3 | MCGRIFF INSURANCE SERVICES,INC. 1020 HIGHLAND COLONY PKWY.,STE 302 RIDGELAND, MS 39157 | SPECTERA | $1K | — | $1K | 10.81% |
| ROSS & YERGER INSURANCE INC3 Filed as: SCOTT BINGHAM ROSS & YERGER | INSURANCE, INC. P.O. BOX 1139 JACKSON, MS 392151139 | SPECTERA | $278 | — | $278 | 2.20% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 141 | $557K |
| Vision | SPECTERA | 0 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $48K |
| Other(6 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 215 | $739K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.