| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 6.91% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 5.33% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $191 | $2K | 1.72% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $204 | $2K | 1.54% |
| ERICK DYLAN CECIL3 | 6820 HWY 70 S NASHVILLE, TN 37221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 1.12% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $936 | $12 | $948 | 0.80% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $688 | $71 | $759 | 0.64% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $697 | $39 | $736 | 0.62% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $477 | — | $477 | 0.40% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 0.33% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK STREET CARROLLTON, GA 30117 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK STREET CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $589 | $589 | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK STREET CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $303 | $303 | 1.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP AND PENSION ADMIN CLAIMS ADMIN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator Service code 12 | 12770 MERIT DRIVE SUITE 200 DALLAS, TX 75251 | $408K |
| MARSH USA INC BROKER | Insurance services; Insurance agents and brokers Service code 22 | 11330 LAKEFILED DRIVE BLDG 1 SUITE 100 JOHNS CREEK, GA 30097 | $40K |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 164 | $72K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 164 | $72K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $34K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 180 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.