| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $73K | — | $73K | 3.31% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | CIGNA HEALTH AND LIFE INSURNACE COMPANY | $2K | $62K | $63K | 4.06% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES INC. | 1781 SUMMERLAKE DR TUPELO, MS 38801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $3K | $22K | 13.66% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING INC. | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $369 | $2K | 1.03% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| BUCK HALL INS AGY3 | 1420 UNION AVENUE MEMPHIS, TN 38174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.13% |
| MARK CHRISTOPHER HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 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 | $13 | — | $13 | 0.01% |
| EMILY COPELAND3 | P.O. BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| WILLIAM L. GLASS3 | 1255 LYNNFIELD ROAD, SUITE A209 MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $12K | — | $12K | 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 | $4K | — | $4K | 15.00% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $560 | — | $560 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 | Contract Administrator Service code 13 | — | $62K |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 451 | $3.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 540 | $125K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 451 | $3.8M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 270 | $187K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 144 | $157K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 270 | $194K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.