| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 423021677 | HEALTH RESOURCES, INC. | $11K | — | $11K | 10.00% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 6.29% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 42301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 5.54% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $155 | $2K | 1.98% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $430 | $2K | 1.86% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 1.26% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $5 | $330 | 0.30% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $7 | $261 | 0.24% |
| MARILYN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $7 | $208 | 0.19% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| E M FORD & CO LLC3 | 2100 FREDERICA ST OWENSBORO, KY 42301 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 9.64% |
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 | 359 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 0 | $226K |
| Dental | HEALTH RESOURCES, INC. | 0 | $112K |
| Vision | HEALTH RESOURCES, INC. | 0 | $112K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 0 | $50K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 0 | $110K |
| Prescription drug | US FIRE INSURANCE COMPANY | 0 | $226K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 0 | $226K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 0 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.