| 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 | $867K | — | $867K | 22.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $75K | $151K | 4.00% |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID BOWDEN | 625 COMMERCE DR. SUITE 204 LAKELAND, FL 33813 | AMERICAN GENERAL, PRUDENTIAL | $73K | — | $73K | 33.46% |
| DAN BROOKS & ASSOCIATES, INC.3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | AMERICAN GENERAL, PRUDENTIAL | $54K | — | $54K | 25.00% |
| BILL LIBERTY3 | 7792 HERITAGE WAY AMHERST, OH 44001 | AMERICAN GENERAL, PRUDENTIAL | $47K | — | $47K | 21.48% |
| DENIS DOWNEY3 | 1209 NE LOCUST CT BLUE SPRINGS, MO 64014 | AMERICAN GENERAL, PRUDENTIAL | $23K | — | $23K | 10.82% |
| LANCE LIBERTY3 | 23872 HEDGEWOOD AVE WESTLAKE, OH 44145 | AMERICAN GENERAL, PRUDENTIAL | $19K | — | $19K | 8.55% |
| GEORGE REGITKO3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | AMERICAN GENERAL, PRUDENTIAL | $1K | — | $1K | 0.67% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | 5545 MURRAY RD STE 203 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| KEVIN D GREGORY3 Filed as: KEVIN GREGORY | 454 CRYSTAL LAKE DRIVE ORANGE VILLAGE, OH 44022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 2.28% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | 5545 MURRAY ROAD SUITE 203 MEMPHIS, TN 38119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 1.82% |
| TEARLE BAGWELL3 | 360B QUALITY CIRCLE SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.10% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | 305 QUALITY CIRCLE SUITE A HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 1.07% |
| TEARLE BAGWELL3 | 360B QUALITY CIRCLE SUITE 220 HUNTSVILLE, AL 35806 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 1.26% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | 5545 MURRAY ROAD SUITE 203 MEMPHIS, TN 38119 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 1.26% |
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 | 4,717 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL, PRUDENTIAL | 229 | $268K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 49 | $66K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,393 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,393 | — |
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.