| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH FRANCIS3 | ROSS AND YERGER INSURANCE INC. 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | BLUE CROSS BLUE SHIELD OF MS, INC. | $3K | — | $3K | 3.12% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | 100 VISION DRIVE SUITE 100 JACKSON, MS 392117009 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.91% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $491 | — | $491 | 15.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $472 | — | $472 | 15.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $239 | — | $239 | 20.03% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $118 | — | $118 | 15.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $115 | — | $115 | 20.07% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 383 | $112K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 463 | $26K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 463 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $3K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $3K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.