| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | HEALTH RESOURCES INC | $6K | — | $6K | 10.00% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 10.44% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 4.96% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $255 | $1K | 2.38% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $60 | $1K | 2.16% |
| KALEN DAVIS3 | 1970 MCKNIGHT LOOP MASON, TN 38049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | 2.04% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $773 | $89 | $862 | 1.61% |
| GENNIVER E MCKEY3 | 4473 TIPTON COVE MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $12 | $821 | 1.53% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | $61 | $550 | 1.03% |
| SHAWN MARIE KING3 | 705 FISHERVILLE RD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $132 | $453 | 0.85% |
| J AUSTIN BAKER3 | PO BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $112 | $434 | 0.81% |
| JAMES SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.03% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE, INC. | 1819 E 9TH ST HOPKINSVILLE, KY 42240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $992 | $8K | 17.18% |
| HIGGINS INSURANCE INC3 | 1819 E 9TH ST HOPKINSVILLE, KY 42240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $572 | $4K | 17.37% |
| HIGGINS INSURANCE INC3 | 1819 E 9TH ST HOPKINSVILLE, KY 42240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $454 | $3K | 12.18% |
| HIGGINS INSURANCE INC3 | 1819 E 9TH ST HOPKINSVILLE, KY 42240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $338 | $2K | 12.39% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | THE DENTAL CONCERN, INC. | $1K | $21 | $1K | 9.96% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 122 | $58K |
| Vision | THE DENTAL CONCERN, INC. | 99 | $11K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.