| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 8.39% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 42301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.61% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $433 | $2K | 2.21% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 1.43% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 1.37% |
| MARILYN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $220 | $1K | 1.31% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $70 | $820 | 0.85% |
| KRISTIE JANEEN HAMMONDS3 | 103 CLOVERFIELD CT HENDERSONVILLE, TN 37075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | — | $590 | 0.61% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $2 | $53 | 0.05% |
| LERMAN VENTURES INC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.01% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA ST OWENSBORO, KY 423021677 | HEALTH RESOURCES INC | $5K | — | $5K | 10.00% |
| E M FORD & CO LLC3 | 2100 FREDERICA ST OWENSBORO, KY 42301 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 9.67% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 423021677 | HEALTH RESOURCES, INC. | $2K | — | $2K | 10.00% |
| E M FORD & CO LLC3 | PO BOX 1677 OWENSBORO, KY 423021677 | THE DENTAL CONCERN INC | $1K | — | $1K | 10.00% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL INSURANCE COMPANY | 154 | $194K |
| Dental(2 contracts) | HEALTH RESOURCES INC | 185 | $75K |
| Vision | THE DENTAL CONCERN INC | 148 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 263 | $47K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $97K |
| Prescription drug | AMERICAN NATIONAL INSURANCE COMPANY | 154 | $194K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 154 | $194K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 263 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.