| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | WESTPORT INSURANCE CORPORATION | $33K | — | $33K | 17.65% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.19% |
| JAS D COLLIER & CO Filed as: JAS D COLLIER & COMPANY DBA CO | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $497 | — | $497 | 0.81% |
| ASHFORD MID SOUTH LLC | 6060 PRIMACY PARKWAY STE 175 MEMPHIS, TN 38119 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.03% |
| JOHN JACKSON DAVIS3 Filed as: JOHN J DAVIS | PO BOX 886 LAWRENCEBURG, TN 38464 | UNION SECURIY INSURANCE COMPANY | $3K | — | $3K | 13.50% |
| QUANTUM INSURANCE PARTNERS3 Filed as: QUANTUM INSURANCE PARTNERS INC | 405-D TWO MILE PIKE GOODLETTSVILLE, TN 37072 | UNION SECURIY INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| JOHN JACKSON DAVIS3 Filed as: JOHN J DAVIS | PO BOX 886 LAWRENCEBURG, TN 38464 | UNION SECURIY INSURANCE COMPANY | $99 | — | $99 | 10.23% |
| QUANTUM INSURANCE PARTNERS3 | 405-D TWO MILE PIKE GOODLETTSVILLE, TN 37072 | UNION SECURIY INSURANCE COMPANY | — | $49 | $49 | 5.06% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $61K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $61K |
| Life insurance | UNION SECURIY INSURANCE COMPANY | 36 | $968 |
| Short-term disability | UNION SECURIY INSURANCE COMPANY | 34 | $21K |
| Long-term disability | UNION SECURIY INSURANCE COMPANY | 34 | $21K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 60 | $189K |
| Other | UNION SECURIY INSURANCE COMPANY | 36 | $968 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.