| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: HOUSTON L. PERSAC & VARIOUS AGENTS | 953 HIGHWAY 51, SUITE 2J MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $15K | $45K | 36.02% |
| BRAD DACUS3 | 835 N SANGA ROAD CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $16K | 12.75% |
| HIGGINBOTHAM INS AGENCY INC3 | 2670 UNION AVENUE EXTD MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 6.41% |
| FRANCES MOBLEY3 | 163 FANNIN LANDING CIRCLE BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $130 | $2K | 1.77% |
| THOMAS EDWARD MARKLE3 | 10015 JERNIGAN DRIVE SOMERVILLE, TN 38068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.21% |
| DAVID L DACUS3 Filed as: DAVID DACUS | 1416 RIVER PINE DRIVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.19% |
| STACEY HENN GASPARD3 | 102 RED OAK LANE BRANDON, MS 39042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.17% |
| HIGGINBOTHAM INS AGENCY INC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 16.96% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $116K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 325 | $241K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $116K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 325 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.