| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G SCOTT COOKE4 Filed as: SCOTT MOAK | 382 MAIN STREET ECRU, MS 38841 | BLUE CROSS BLUE SHIELD | $51K | — | $51K | 3.62% |
| GULF GUARANTY EMPLOYEE BENEFIT SERV5 | 4785 I-55 NORTH SUITE 210 JACKSON, MS 39206 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC | — | $45K | $45K | 15.67% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | 200 SOUTH LAMAR STREET, STE 7005 JACKSON, MS 39201 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC | $43K | — | $43K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC | P.O. BOX 1139 JACKSON, MS 39215 | GUARDIAN | $20K | $2K | $23K | 12.68% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 26.46% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 18.60% |
| ROBBINS RESEARCH AND PLANNING INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 12.91% |
| DON M BROOKS3 | PO BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $172 | $2K | 4.08% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $36 | $2K | 4.04% |
| ANNA-LIESA MARIE HUSSEY3 | 1236 HIGHWAY 371 TUPELO, MS 38804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $849 | — | $849 | 1.40% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SHINGLEY LII | 4268 SHARPSBURG DR BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 390 | $1.9M |
| Dental | GUARDIAN | 262 | $178K |
| Vision | GUARDIAN | 262 | $178K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 262 | $238K |
| Short-term disability | GUARDIAN | 262 | $178K |
| Long-term disability | GUARDIAN | 262 | $178K |
| Other(2 contracts, 2 carriers) | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC | 364 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.