| 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 | $920K | — | $920K | 22.40% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | 5545 MURRAY RD STE 203 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.18% |
| KEVIN D GREGORY3 Filed as: KEVIN GREGORY | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $352 | — | $352 | 2.14% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 1.92% |
| TEARLE BAGWELL3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 1.24% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.02% |
| TEARLE BAGWELL3 | — | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 1.26% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | — | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 1.26% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | — | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID BOWDEN | 625 COMMERCE DR. SUITE 204 LAKELAND, FL 33813 | AMERICAN GENERAL, PRUDENTIAL | $22K | — | $22K | — |
| GEORGE REGITKO3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | AMERICAN GENERAL, PRUDENTIAL | $18K | — | $18K | — |
| DAN BROOKS & ASSOCIATES, INC.3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | AMERICAN GENERAL, PRUDENTIAL | $15K | — | $15K | — |
| BILL LIBERTY3 | 7792 HERITAGE WAY AMHERST, OH 44001 | AMERICAN GENERAL, PRUDENTIAL | $4K | — | $4K | — |
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 | 4,148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $48K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $65K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,052 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,052 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.