| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $423 | $9K | 15.75% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $403 | $6K | 11.42% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 | 200 S LAMAR STREET SUITE 700 JACKSON, MS 39201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $744 | $10K | 32.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 605 GLENWOOD AVENUE RALEIGH, NC 27603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $28 | $1K | 4.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMMI | P.O. BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: SCOTT BINGHAM, ROSS & YERGER INSURA | P. O. BOX 1139 JACKSON, MS 392151139 | AM FIRST | $4K | $0 | $4K | 14.99% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 392364067 | AM FIRST | $1K | $0 | $1K | 5.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC | P. O. BOX 1139 JACKSON, MS 392151139 | AM FIRST | $4K | $0 | $4K | 14.99% |
| MORGAN WHITE LIMITED DBA MWG BROKER3 | P. O. BOX 14067 JACKSON, MS 392364067 | AM FIRST | $1K | $0 | $1K | 5.00% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $208 | $1K | 11.89% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AM FIRST | 0 | $25K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 81 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $54K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.