| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS FIRST LLC3 Filed as: BENEFITS FIRST, LLC | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $3K | $939 | $4K | 4.33% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $4K | $0 | $4K | 3.93% |
| DORIS LINDA MARTIN3 | PO BOX 375 LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $3K | $113 | $3K | 2.66% |
| ANNA DAVIS3 Filed as: ANNA M. DAVIS | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $531 | $0 | $531 | 0.52% |
| STEVEN BREWER3 Filed as: STEVEN P. LINDSEY | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $515 | $0 | $515 | 0.51% |
| KAREN W GORDON3 Filed as: KAREN W. GORDON | 390 MASTERS DRIVE LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $100 | $0 | $100 | 0.10% |
| MJ INSURANCE3 Filed as: KINDA JACKSON AND VARIOUS AGENTS | 1811 BROOKSIE THOMPSON ROAD DECATURVILLE, TN 38329 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $68 | $0 | $68 | 0.07% |
| ELLIS INSURANCE AGENCY3 | 382 CARRIAGE HOUSE DRIVE SUITE A JACKSON, TN 38305 | USABLE LIFE | $9K | $0 | $9K | 14.85% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | $0 | $4K | 6.93% |
| JOHN T HARRIS3 Filed as: JOHN T. HARRIS | 451 DIVISION STREET NE SALEM, OR 97301 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 9.22% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 392 | $23K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 206 | $164K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 79 | $102K |
| Long-term disability | USABLE LIFE | 206 | $62K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 206 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.