| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDIN COUNTY BANK INSURANCE AGENCY3 | PO BOX 1507 SAVANNAH, TN 38372 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 8.12% |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 1147 NORTH BROAD STREET LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.23% |
| CHRIS STOCKELAND AND OTHER AGENTS3 | 7224 SKY MEADOW DRIVE COLLEGE GROVE, TN 37046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $510 | $402 | $912 | 1.06% |
| VICTORIA L FLYNN3 Filed as: VICTORIA L. FLYNN | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $877 | $0 | $877 | 1.02% |
| KAREN W GORDON3 Filed as: KAREN W. GORDON | 390 MASTERS DRIVE LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $759 | $0 | $759 | 0.88% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON ROAD DECATURVILLE, TN 38329 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $634 | $0 | $634 | 0.73% |
| MICHAEL A DUARTE3 Filed as: MICHAEL A. DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $590 | $0 | $590 | 0.68% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 105 | $86K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 105 | $86K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 105 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.