| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $72K | $75K | 3.21% |
| COWLEY INSURANCE SERVICES INC3 Filed as: COWLEY INSURANCE SERVICES INC. | 166 ROAD 598 PLANTERSVILLE, MS 38862 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $2K | $26K | 13.71% |
| ROBBINS RESEARCH AND PLANNING INC3 Filed as: ROBBINS RESEARCH AND PLANNING INC. | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $924 | $2K | 1.13% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.78% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $834 | $1K | 0.64% |
| BUCK HALL INS AGY3 | 1420 UNION AVENUE MEMPHIS, TN 38174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.07% |
| MARK CHRISTOPHER HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| HARMON DENNIS BRADSHAW INC3 | P.O. BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $3 | $26 | 0.01% |
| DOUGLAS DOSTER3 | P.O. BOX 241449 MEMPHIS, TN 38124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.01% |
| EMILY COPELAND3 | P.O. BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| ROBERT HARVEY ANDERSON3 | 1105 TERRACE ACRES DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.00% |
| WILLIAM BRANNON POWELL3 | 928 ANDREWS AVE AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $6 | $8 | 0.00% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR. COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| BARDEN AND ASSOCIATES LLC3 | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| AMANDA JOY NOE3 | 4021 OVERLOOK DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| DEMPSEY D BELL3 | 17204 STATE HWY 21 BRAGGS, AL 36761 | 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% |
| GLASS INSURANCE GROUP LLC3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.59% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.09% |
| GLASS INSURANCE GROUP LLC3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.50% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.22% |
| GLASS INSURANCE GROUP LLC3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $247 | — | $247 | 7.55% |
| WILLIAM L. GLASS3 | 9053 STONE WALK PLACE GERMANTOWN, TN 38138 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $202 | — | $202 | 6.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 | Contract Administrator Service code 13 | — | $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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $2.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 573 | $138K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 295 | $222K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $193K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 295 | $230K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.