| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | PO BOX 670 RICHLANDS, VA 24641 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 10.15% |
| EMPLOYEE BENEFIT CONSULTANTS3 | PO BOX 670 RICHLANDS, VA 24641 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.77% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DRIVE KNOXVILE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $636 | $4K | 6.24% |
| KATHERINE C ROBERTS3 Filed as: KATHERINE C. ROBERTS & OTHER AGENTS | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $163 | $2K | 3.05% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $730 | $0 | $730 | 1.26% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | PO BOX 670 RICHLANDS, VA 24641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | $0 | $715 | 1.23% |
| SHARON MAY LINDSAY3 | 724 WILDFLOWER LANE CHATTANOOGA, TN 37419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $570 | $0 | $570 | 0.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $0 | $514 | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | $7 | $488 | 0.84% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $346K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 74 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $346K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.