| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58K | $0 | $58K | 8.39% |
| JM TAMER & CO3 Filed as: JM TAMER AND COMPANY | 6500 PAPERMILL DRIVE, SUITE 201 KNOXVILL, TN 37919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $7K | $51K | 7.34% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $4K | $31K | 4.41% |
| JULIA MICHELLE TAMER3 | 6500 PAPERMILL DRIVE, SUITE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $1K | $15K | 2.12% |
| JAMES R MCCOMB3 Filed as: JAMES R. MCCOMB AND ALL OTHER AGENT | 1063 COATESDALE ROAD COLUMBIA, SC 29209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 1.78% |
| BRIAN A JONES3 Filed as: BRIAN A. JONES | 200 PROSPERITY DRIVE KNOXVILLE, TN 37923 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 0.97% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FINANCIAL AND INS. GROUP | 88 VILLA ROAD GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.50% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MISSOURI | $33K | — | $33K | 9.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | COMPANION LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.30% |
| CHRISTOPHER WILLIAMS3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1575 METAIRIE, LA 70002 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.84% |
| BRIAN A JONES3 Filed as: BRIAN A. JONES | 200 PROSPERITY DRIVE KNOXVILLE, TX 37923 | COMPANION LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | DELTA DENTAL OF MISSOURI | $7K | $0 | $7K | 10.76% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,169 | $364K |
| Vision | DELTA DENTAL OF MISSOURI | 998 | $61K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 770 | $959K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 770 | $267K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 770 | $267K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 949 | $984K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,169 | — |
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.