| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | PARAMOUNT DENTAL | $7K | — | $7K | 10.00% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $158 | $3K | 7.07% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $794 | $285 | $1K | 2.65% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $139 | $692 | 1.70% |
| KALEN DAVIS3 Filed as: KALEN MCMAHON | 260 COTTON BEND DR ROSSVILLE, TN 38066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.77% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $75 | $276 | 0.68% |
| GENNIVER E MCKEY3 Filed as: GENNIVER MCKEY | 4473 TIPTON CV MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 0.54% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.39% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.38% |
| J AUSTIN BAKER3 Filed as: J AUSTIN EAKER | 495 TENNESSEE ST APT 701 MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.18% |
| ANGELA ZWEERS3 | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| BRANDI TAFT3 | 6413 PREMIER DR NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| JAMES SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.02% |
| SUSAN MAE DANIEL3 Filed as: SUSAN DANIEL | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| DAVID PURVIS3 | 3840 SADDLE BEND OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | P.O. BOX 51 FRANKLIN, KY 42135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | THE DENTAL CONCERN INC. (HUMANA VISION) | $1K | — | $1K | 10.04% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 244 | $66K |
| Vision | THE DENTAL CONCERN INC. (HUMANA VISION) | 120 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $26K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.