| 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 | $876K | — | $876K | 23.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | $76K | $152K | 4.00% |
| DAN BROOKS & ASSOCIATES, INC.3 | 548 N. WILLOW AVENUE COOKEVILLE, TN 38501 | AMERICAN GENERAL, PRUDENTIAL | $54K | — | $54K | 25.00% |
| DAVID R BOWDEN AGY INC3 Filed as: DAVID BOWDEN | 625 COMMERCE DR. SUITE 204 LAKELAND, FL 33813 | AMERICAN GENERAL, PRUDENTIAL | $53K | — | $53K | 24.79% |
| LANCE LIBERTY3 | 23872 HEDGEWOOD AVE WESTLAKE, OH 44145 | AMERICAN GENERAL, PRUDENTIAL | $43K | — | $43K | 19.98% |
| BILL LIBERTY3 | 7792 HERITAGE WAY AMHERST, OH 44001 | AMERICAN GENERAL, PRUDENTIAL | $38K | — | $38K | 17.67% |
| DENIS DOWNEY3 | 1209 NE LOCUST CT BLUE SPRINGS, MO 64014 | AMERICAN GENERAL, PRUDENTIAL | $26K | — | $26K | 12.09% |
| BILL MCLOUGHLIN3 | 212 N GENESEE ST MONTOUR FALLS, NY 14865 | AMERICAN GENERAL, PRUDENTIAL | $1K | — | $1K | 0.47% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | 5545 MURRAY RD STE 203 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| KEVIN D GREGORY3 Filed as: KEVIN GREGORY | 454 CRYSTAL LAKE DRIVE ORANGE VILLAGE, OH 44022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $328 | — | $328 | 2.31% |
| DONALD C SAVOY INC3 Filed as: DONALD SMITH | 5545 MURRAY ROAD SUITE 203 MEMPHIS, TN 38119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 1.80% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | 305 QUALITY CIRCLE SUITE A HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 1.12% |
| TEARLE BAGWELL3 | 360B QUALITY CIRCLE SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 1.06% |
| 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 | 4,620 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL, PRUDENTIAL | 247 | $270K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $70K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,281 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,281 | — |
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.