| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 7.18% |
| JOHN R JOHN3 Filed as: JOHN JOHN | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $228 | $6K | 3.27% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.86% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE | 480 OIL WELL ROAD JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.64% |
| ALLISON INSURANCE GROUP3 Filed as: THE ALLISON INSURANCE GROUP | 115 DIRECTORS ROW JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.56% |
| DORRIS LINDA MARTIN3 | 449 HUNTINGDON STREET LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | — | $503 | 0.28% |
| KAREN W GORDON3 Filed as: KAREN GORDON | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $468 | — | $468 | 0.26% |
| ANNA DAVIS3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | — | $351 | 0.20% |
| EMILY PORRECA3 Filed as: EMILY COPELAND | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 0.17% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON ROAD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.13% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.03% |
| ALLISON D JONES3 Filed as: ALLISON JONES | 296 N BROAD STREET LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| JENNIFER GRIGGS3 | 101 JULIE LANE BRINKLEY, AZ 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPYNATION | 1661 INTERNATIONAL DRIVE SUITE 140 MEMPHIS, TN 38120 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.77% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $242 | $2K | 13.35% |
| CHRISTY KELLY3 | 23 FEDERAL DRIVE JACKSON, TN 38305 | USABLE LIFE | $1K | — | $1K | 10.00% |
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 | 813 | 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) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 0 | $0 |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 265 | $99K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 0 | $0 |
| Life insurance | USABLE LIFE | 813 | $12K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 813 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.