| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD SUITE 300E NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $213K | $12K | $224K | 47.14% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $213K | $6K | $219K | 45.90% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD SUITE 300E NAPERVILLE, TN 37215 | UNUM INSURANCE COMPANY | $95K | $5K | $100K | 36.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TN 76102 | UNUM INSURANCE COMPANY | $27K | $3K | $30K | 11.00% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD SUITE 300E NASHVILLE, TN 37215 | UNUM INSURANCE COMPANY | $68K | $4K | $73K | 31.92% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $23K | $2K | $25K | 11.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.47% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $502 | — | $502 | 0.23% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD SUITE 300E NASHVILLE, TN 37215 | UNUM INSURANCE COMPANY | $49K | $3K | $52K | 31.95% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $17K | $2K | $18K | 11.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.80% |
| SMITH, THOMAS, CHRISTOPHER4 | 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 1.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 1.39% |
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 | 4,599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 444 | $495K |
| Other(6 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,713 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,713 | — |
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."
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.