| 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 | $5K | $24K | 19.91% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | PO BOX 552 HOPKINSVILLE, KY 422410552 | HEALTH RESOURCES INC. | $8K | — | $8K | 10.00% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | P.O. BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.70% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $144 | $908 | 2.41% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | $77 | $558 | 1.48% |
| INSPIRED INC3 Filed as: INSPIRED INC. | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $42 | $268 | 0.71% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.37% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.34% |
| J AUSTIN BAKER3 | 159 AUGUSTA AVE PLEASANT VIEW, TN 37146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.16% |
| BRANDI TAFT3 | 6413 PREMIER DR NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| JAMES SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| KRISTIN BENNETT3 | 1462 HAMILTON COURT BOWLING GREEN, TN 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| DAVID PURVIS3 | 3840 SADDLE BEND OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1120 MAIN STREET BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN | 1505 AQUARIUS WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ANGELA ZWEERS3 | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE INC. | P.O. BOX 552 HOPKINSVILLE, KY 422410552 | THE DENTAL CONCERN INC. (HUMANA VISION) | $1K | — | $1K | 9.17% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC. | 239 | $75K |
| Vision | THE DENTAL CONCERN INC. (HUMANA VISION) | 131 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $121K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $121K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $121K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.