Form 5500 · Employee benefit plan · RIDGELAND, MS
BUSINESS COMMUNICATIONS INC
The filing calls this plan BUSINESS COMMUNICATIONS INC WELFARE BENEFIT PLAN.
BUSINESS COMMUNICATIONS INC of RIDGELAND, MS insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ROSS AND YERGER INSURANCE INC.. Coverage is written through BLUE CROSS & BLUE SHIELD OF MISSISSIPPI and 2 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 64-0837886 · plan 501 · plan year 2025, filed Jan 29, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, covers 227 people.
Reported premium across the insured contracts is $1,102,248, with $70,647 in disclosed broker commissions — about 6.4% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
ROSS AND YERGER INSURANCE INC. is the broker of record on all 6 contracts.
3 carriers appear on the filing, including BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and UNITED OF OMAHA LIFE INSURANCE COMPANY. BLUE CROSS & BLUE SHIELD OF MISSISSIPPI writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | Health | 227 | May 1, 2025 | $940,505 | $51,450 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 107 | May 1, 2025 | $93,685 | $9,368 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 46 | May 1, 2025 | $31,050 | $4,658 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 127 | May 1, 2025 | $19,324 | $2,899 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 128 | May 1, 2025 | $15,148 | $2,272 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 128 | May 1, 2025 | $2,536 | $0 |
Premium and claims on this contract
BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, contract 069582 ET AL. For the contract year on this filing, the carrier reported $940,505 in premium earned and $735,143 in claims incurred. Dividing one by the other gives 78%.
- BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, contract 069582 ET AL reported $145,501 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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