| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42240 | PARAMOUNT DENTAL | $6K | — | $6K | 10.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | $185 | $890 | 1.81% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | $72 | $838 | 1.70% |
| KALEN DAVIS3 Filed as: KALEN MCMAHON | 260 COTTON BEND DRIVE ROSSVILLE, TN 38066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | — | $432 | 0.88% |
| GENNIVER E MCKEY3 | 4473 TIPTON COVE MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | — | $300 | 0.61% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $2 | $210 | 0.43% |
| MARILYNN DECKER3 | 5173 JOHN JAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.40% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.19% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.16% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $2 | $64 | 0.13% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.11% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 0.09% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| BEVERLY GATES3 | 149 DORRIS RD PORTLAND, TN 37148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| CARLA VINKLER3 Filed as: CARLA JEAN VINKLER | 837 POWERS BLVD WAVERLY, TN 37185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 9.45% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 127 | $65K |
| Vision | THE DENTAL CONCERN, INC. | 111 | $12K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.