| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | METROPLOITAN LIFE INSURANCE COMPANY | $41K | $7K | $48K | 14.29% |
| NICOLE GOLDEN3 | 7909 CONCORD HILLS DRIVE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.70% |
| CHARLES HARTHUN3 | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 0.41% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PL TAMPA, FL 33617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.32% |
| LORI R GRIZZELL3 Filed as: LORI GRIZZELL | 1069 S HEWITT ROAD BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.28% |
| TIMOTHY CLENNEY3 | PO BOX 562 PARSONS, TN 38363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.06% |
| CODY B WHITEHEAD3 Filed as: CODY WHITEHEAD | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN DYERSBURG, TN 38024 | COLONIAL LIFE | $306 | — | $306 | — |
| LINDA R MARCUM3 | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE | $149 | — | $149 | — |
| ROBERT E HIGDON3 | 1016 VENUS DRIVE LAWRENCEBURG, KY 40342 | COLONIAL LIFE | $84 | — | $84 | — |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE | $54 | — | $54 | — |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE | $46 | — | $46 | — |
| JOSEPH L GREENE3 Filed as: JOSEPH L. GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE | $44 | — | $44 | — |
| BETTY C HAYNES3 | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE | $33 | — | $33 | — |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE | $19 | — | $19 | — |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE | $8 | — | $8 | — |
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 |
|---|---|---|---|
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 606 | $336K |
| Vision | METROPLOITAN LIFE INSURANCE COMPANY | 606 | $336K |
| Life insurance(2 contracts, 2 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 606 | $336K |
| Short-term disability | METROPLOITAN LIFE INSURANCE COMPANY | 606 | $336K |
| Long-term disability | METROPLOITAN LIFE INSURANCE COMPANY | 606 | $336K |
| Other | METROPLOITAN LIFE INSURANCE COMPANY | 606 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.