| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT BINGHAM3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $60K | — | $60K | 4.04% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | GUARDIAN LIFE INSURANCE COMPANY | $18K | $5K | $23K | 15.15% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $15K | 17.97% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 18.39% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $964 | $6K | 18.18% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 20.61% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DRIVE STE 100 JACKSON, MS 39211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 20.73% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $558 | $18 | $576 | 15.48% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 382 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 202 | $151K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 202 | $151K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $30K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.