| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 3.99% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $754 | $754 | 0.50% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DRIVE BUILDING B JERSEY VILLAGE, TX 77040 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $1K | $1K | 1.12% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $151K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $151K |
| Life insurance | BLUE CROSS BLUE SHIELD OF TEXAS | 203 | $121K |
| Short-term disability | BLUE CROSS BLUE SHIELD OF TEXAS | 203 | $121K |
| Long-term disability | BLUE CROSS BLUE SHIELD OF TEXAS | 203 | $121K |
| Other | BLUE CROSS BLUE SHIELD OF TEXAS | 203 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.