| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 6.91% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 42301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.92% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $202 | $2K | 1.55% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $917 | $86 | $1K | 1.01% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $44 | $948 | 0.95% |
| MARILYN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $778 | $42 | $820 | 0.82% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $51 | $628 | 0.63% |
| KRISTIE JANEEN HAMMONDS3 | 244 HARBOR DRIVE HENDERSONVILLE, TN 37075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA ST OWENSBORO, KY 423021677 | HEALTH RESOURCES INC | $6K | — | $6K | 10.00% |
| E M FORD & CO LLC3 | 2100 FREDERICA ST OWENSBORO, KY 42301 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 9.68% |
| 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 | 9.98% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL INSURANCE COMPANY | 164 | $226K |
| Dental(2 contracts) | HEALTH RESOURCES INC | 202 | $85K |
| Vision | THE DENTAL CONCERN INC | 139 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 291 | $49K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $100K |
| Prescription drug | AMERICAN NATIONAL INSURANCE COMPANY | 164 | $226K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 164 | $226K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 291 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.