| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY L MCCLURE3 Filed as: GARY MCCLURE | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $45K | $0 | $45K | 5.59% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 21.70% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 7.50% |
| S S NESBITT & CO INC3 Filed as: S. S. BESBITT AND COMPANY INC. | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $394 | $0 | $394 | 8.03% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $16 | $131 | 2.67% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $30 | $119 | 2.43% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 1.94% |
| ASHLEY WIMBERLEY SKELTON3 Filed as: ASHLEY W. SKELTON AND OTHER AGENTS | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $8 | $65 | 1.32% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE AND ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $24 | $46 | 0.94% |
| TODD BOOZER3 Filed as: TODD A. BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $1 | $38 | 0.77% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $801K |
| Dental | DELTA DENTAL OF TENNESSEE | 216 | $52K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $801K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $69K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $801K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.