| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH FRANCIS3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $69K | — | $69K | 4.38% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | PO BOX 1139 JACKSON, MS 39215 | GUARDIAN | $14K | — | $14K | 10.00% |
| PHOENIX COMMITTED INS PROGRAM LLC3 | 900 CIRCLE 75 PARKWAY SE STE 1235 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 25.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 18.27% |
| PHOENIX COMMITTED INS PROGRAM LLC3 | 900 CIRCLE 75 PARKWAY SE STE 1235 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| PHOENIX COMMITTED INS PROGRAM LLC3 | 900 CIRCLE 75 PARKWAY SE STE 1235 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| PHOENIX COMMITTED INS PROGRAM LLC3 | 900 CIRCLE 75 PARKWAY SE STE 1235 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
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 | 209 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 329 | $1.6M |
| Dental | GUARDIAN | 188 | $140K |
| Vision | GUARDIAN | 188 | $140K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $122K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 209 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.