| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE OF AMERICA | $678 | $59 | $737 | — |
| ORMA R SMITH III3 Filed as: ORMA SMITH | 3725 CHAMPION HILLS DR. STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE OF AMERICA | $343 | — | $343 | — |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE OF AMERICA | — | $6 | $6 | — |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE OF AMERICA | $3K | $250 | $3K | — |
| ORMA R SMITH III3 Filed as: ORMA SMITH | 3725 CHAMPION HILLS DR. STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE OF AMERICA | $597 | — | $597 | — |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE OF AMERICA | — | $9 | $9 | — |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE OF AMERICA | $2K | $148 | $2K | — |
| ORMA R SMITH III3 Filed as: ORMA SMITH | 3725 CHAMPION HILLS DR. STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE OF AMERICA | $324 | — | $324 | — |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE OF AMERICA | — | $6 | $6 | — |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 157 | $0 |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 6 | $0 |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 28 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.