| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 422410552 | THE DENTAL CONCERN INC. | $4K | — | $4K | 7.78% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | 1819 E 9TH ST HOPKINSVILLE, KY 422404433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 30.68% |
| KALEN DAVIS3 | 1970 MCKNIGHT LOOP MASON, TN 38049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 10.29% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 9.69% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $448 | $3K | 6.58% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $668 | $2K | 5.99% |
| J AUSTIN BAKER3 | PO BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $811 | $2K | 4.91% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $167 | $2K | 4.00% |
| SHAWN MARIE KING3 Filed as: SHAWN MARIE DAVIS | 1970 MCKNIGHT LOOP MASON, TN 38049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $352 | $1K | 3.71% |
| GENNIVER E MCKEY3 | 4473 TIPTON COVE MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $116 | $1K | 3.34% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $591 | $64 | $655 | 1.71% |
| HIGGINS INSURANCE INC3 | 1819 E 9TH ST HOPKINSVILLE, KY 422404433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HIGGINS INSURANCE INC3 | 1819 E 9TH ST HOPKINSVILLE, KY 422404433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HIGGINS INSURANCE INC3 | 1819 E 9TH ST HOPKINSVILLE, KY 422404433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 422410552 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 18.12% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN INC. | 128 | $50K |
| Vision | THE DENTAL CONCERN, INC. | 107 | $11K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.