| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $74K | — | $74K | 4.06% |
| WILLIAM L. GLASS3 | 1255 LYNNFIELD RD., SUITE A-209 MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 10.00% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES INC. | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 16.00% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING INC. | 731 AVIGNON DR. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $983 | $1K | $2K | 1.93% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $38 | $1K | 1.16% |
| BUCK HALL INS AGY3 | 1420 UNION AVENUE MEMPHIS, TN 38174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.25% |
| ASHLEY SCOTT BRYANT3 | 109 VINEWOOD CIRCLE TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $61 | $197 | 0.19% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| TIMA LYNN3 | 105 HUNTERS CV TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $4 | $29 | 0.03% |
| BENCOM LLC3 | P.O. BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| DAMON M. YOUNG3 Filed as: DAMON M YOUNG JR | 4122 TEXAS BLVD TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR. COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| DOUGLAS DOSTER3 | P.O. BOX 241449 MEMPHIS, TN 38124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| SHELLIE LYN COX3 | 4936 TRYON RD LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| HAROLD SHAPPELL3 | PO BOX 3183 LONGVIEW, TX 75606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| SUSAN RENEE DAY3 | 5618 DOGWOOD TRAIL EIGHT MILE, AL 36613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS INC. | 2105 VESTIVIA LAKE DR BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| EMILY COPELAND3 | P.O. BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| JAMES CHRISTOPHER TODD3 | 3004 KEYSTONE ST LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ROBERT E HIGDON3 Filed as: ROBERT E. HIGDON | 1016 VENUS DR. LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AHNE BENEFIT SOLUTIONS LLC3 | 206 PEBBLE CREEK CIRCLE TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| BETTY C HAYNES3 Filed as: BETTY C. HAYNES | 3339 N. HIGHLAND AVE. JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 3339 N. HIGHLAND AVE. JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICKEY W BOSWELL3 Filed as: MICKEY W. BOSWELL | 538 MCKNIGHT RD. CLEVELAND, MS 38732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MCFADDEN BENEFIT MANAGEMENT INC3 Filed as: MCFADDEN BENEFIT MANAGEMENT INC. | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 | Direct payment from the plan; Other services; Float revenue; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $72K |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 334 | $1.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 557 | $135K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 334 | $1.8M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $103K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $103K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.