| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63K | $4K | $67K | 25.46% |
| MJ INSURANCE3 Filed as: TRACY HANAGRIFF AND VARIOUS AGENTS | 3312 RIVERWALK DRIVE BATON ROUGE, LA 70726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $6K | $33K | 12.61% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 5.48% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.60% |
| JANICE D RUCKS3 Filed as: JANICE D. RUCKS | 1204 CHAMBERLAIN, SUITE 4 MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $702 | $6K | 2.42% |
| BARBARA A WILLIAMS3 Filed as: BARBARA A. WILLIAMS | 8290 MISTY CREEK DRIVE GERMANTOWN, TN 38138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $405 | $6K | 2.30% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $870 | $4K | 1.62% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY, LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.32% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $836 | $8K | 4.07% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 3.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SVC., INC. | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.45% |
| CORBIN L. LAMBERT3 | 17117 BURT STREET, SUITE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $731 | — | $731 | 0.38% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS, LLC | 11225 COLLEGE BOULEVARD OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $88 | — | $88 | 0.05% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 2365 HARRODSBURG ROAD LEXINGTON, KY 40504 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $6 | $6 | 0.00% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $2K | $29K | 26.34% |
| MJ INSURANCE3 Filed as: TERRY A. SMITH AND VARIOUS AGENTS | 14070 SOUTH DARNELL COURT OLATHE, KS 66062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 14.61% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 5.12% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $790 | $3K | 2.67% |
| BRIDGETT ZUNIGA3 | 14608 WEST 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $381 | $2K | 1.99% |
| ITB GROUP LLC3 Filed as: ITB GROUP, LLC | 8856 FAYETTEVILLE DRIVE FORT WORTH, TX 76244 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $416 | $2K | 1.77% |
| RON BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $782 | $793 | $2K | 1.41% |
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 | 2,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 114 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,652 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,652 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,421 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,421 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,652 | $2.9M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,421 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,652 | — |
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.