| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $72K | — | $72K | 3.19% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES INC. | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 13.92% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING INC. | 731 AVIGNON DR. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $593 | $2K | 1.26% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 0.85% |
| BUCK HALL INS AGY3 | 1420 UNION AVENUE MEMPHIS, TN 38174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.16% |
| MARK CHRISTOPHER HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.04% |
| DOUGLAS DOSTER3 | P.O. BOX 241449 MEMPHIS, TN 38124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR. COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| EMILY COPELAND3 | P.O. BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ROBERT E HIGDON3 Filed as: ROBERT E. HIGDON | 1016 VENUS DR. LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICKEY W BOSWELL3 Filed as: MICKEY W. BOSWELL | 538 MCKNIGHT RD CLEVELAND, MS 38732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BETTY C HAYNES3 Filed as: BETTY C. HAYNES | 5513 POPLAR CORNER RD. BROWNSVILLE, TN 38012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 1147 N. BROAD ST. LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIAM L. GLASS3 | 1255 LYNNFIELD ROAD, SUITE A209 MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 10.00% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $604 | — | $604 | 15.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 475 | $2.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 552 | $138K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 475 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 339 | $186K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 144 | $153K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 275 | $192K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.