| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C. SMITH3 | 5545 MURRAY RD SUITE 203 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $657K | — | $657K | 22.09% |
| GEORGE REGITKO3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | SOUTHERN INSURANCE GROUP | $88K | — | $88K | — |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID BOWDEN | 625 COMMERCE DR. SUITE 204 LAKELAND, FL 33813 | SOUTHERN INSURANCE GROUP | $83K | — | $83K | — |
| DAN BROOKS & ASSOCIATES, INC.3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | SOUTHERN INSURANCE GROUP | $54K | — | $54K | — |
| BILL LIBERTY3 | 7792 HERITAGE WAY AMHERST, OH 44001 | SOUTHERN INSURANCE GROUP | $24K | — | $24K | — |
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 | 3,520 | 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) | 3,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SOUTHERN INSURANCE GROUP | 196 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,324 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,324 | — |
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."
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.