| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | P.O. BOX 552 HOPKINSVILLE, KY 42241 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | $747 | $20K | 16.81% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | P.O. BOX 552 HOPKINSVILLE, KY 42241 | PARAMOUNT DENTAL | $7K | — | $7K | 10.00% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $271 | $3K | 6.85% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $695 | $92 | $787 | 2.08% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | $56 | $505 | 1.33% |
| INSPIRED INC3 Filed as: INSPIRED INC. | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $68 | $265 | 0.70% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.35% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.34% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST APT 701 MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.16% |
| ANGELA ZWEERS3 | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.09% |
| BRANDI TAFT3 | 6413 PREMIER DR NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JAMES SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| DAVID PURVIS3 | 3840 SADDLE BEND OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SUSAN MAE DANIEL3 Filed as: SUSAN DANIEL | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1120 MAIN STREET BENTON, KY 42025 | 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 | $2 | — | $2 | 0.01% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | P.O. BOX 552 HOPKINSVILLE, KY 42241 | THE DENTAL CONCERN INC. (HUMANA VISION) | $1K | — | $1K | 8.84% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 232 | $70K |
| Vision | THE DENTAL CONCERN INC. (HUMANA VISION) | 125 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $119K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $119K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $119K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.