| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P. O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $852 | $852 | 0.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LIC | P. O. BOX 10447 DES MOINES, IA 50306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $941 | $0 | $941 | 3.28% |
| J AUSTIN BAKER3 | 496 TENNESSEE STREET MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $204 | $0 | $204 | 0.71% |
| JOHN R JOHN3 | 6240 POPLAR AVENUE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $195 | $2 | $197 | 0.69% |
| JOSEPH STERLING SHEPPARD3 Filed as: JOSEPH SERLING SHEPPARD | C/O JOSEPH STERLING SHEPPARD GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $152 | $0 | $152 | 0.53% |
| E SERV LIC3 | 855 WILLOW TREE CIR CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $151 | $0 | $151 | 0.53% |
| EMILY COPELAND3 | P. O. BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $126 | $0 | $126 | 0.44% |
| BENEFITS FIRST LIC3 | P. O. BOX 766 LEXINGTON, KY 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $83 | $0 | $83 | 0.29% |
| RACHEL WINGFIELD3 | 10287 WATERFORD ROAD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $50 | $3 | $53 | 0.18% |
| MARK CHRISTOPHER HOLLAND3 | P. O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $49 | $0 | $49 | 0.17% |
| KAREN W GORDON3 | 390 MASTERS DRIVE LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $26 | $0 | $26 | 0.09% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON ROAD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $18 | $0 | $18 | 0.06% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $16 | $0 | $16 | 0.06% |
| HARVEY INSURANCE RESOURCES3 Filed as: HARVEY INSURANCE RESOURCES LIC | 494 DOE TRAIL COVE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $12 | $0 | $12 | 0.04% |
| ALLISON D JONES3 | 296 NORTH BROAD STREET LEXINGTON, KY 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $6 | $0 | $6 | 0.02% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $2 | $0 | $2 | 0.01% |
| JOSPEH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $0 | $0 | $0 | 0.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $93K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $93K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | 20 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.