| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY DBA CO | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $5K | $33K | 13.35% |
| THE CASON GROUP INC3 | 1612 MARION ST 4TH FL COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.30% |
| JOSEPH W WILSON3 | 453 QUEEN CV COLLIERVILLE, TN 38017 | AFLAC | $3K | — | $3K | 6.21% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $424 | — | $424 | 0.94% |
| CANDACE P CLEMONS-SNEED3 | 2773 LYNCHBURG ST MEMPHIS, TN 38134 | AFLAC | $414 | — | $414 | 0.92% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $235 | — | $235 | 0.52% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $210 | — | $210 | 0.47% |
| CATHERINE H EDWARDS3 | 368 FOUNTAIN LAKE DR MEMPHIS, TN 38120 | AFLAC | $207 | — | $207 | 0.46% |
| DANIEL C HARRIS3 | 413 OAK RIDGE CT MARS, PA 16046 | AFLAC | $103 | — | $103 | 0.23% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $93 | — | $93 | 0.21% |
| DANNY L WILLIAMS3 | 18 PECAN CIR JACKSON, TN 38301 | AFLAC | $93 | — | $93 | 0.21% |
| JOHN CHRISTOPHER PRATHER3 Filed as: JOHN F HEEREN | 118 PINEHURST ST MEMPHIS, TN 38117 | AFLAC | $68 | — | $68 | 0.15% |
| WENDY ELIZABETH WESOLOWSKI3 Filed as: WENDY E WESOLOWSKI | 1284 N 12TH AVE PENSACOLA, FL 32503 | AFLAC | $61 | — | $61 | 0.14% |
| DAVID L DACUS3 | 1416 RIVER PINE DR COLLIERVILLE, TN 38017 | AFLAC | $59 | — | $59 | 0.13% |
| AUDRA P RAY3 | 1100 COUNTY ROAD 236 APT 308 WALNUT, MS 38683 | AFLAC | $47 | — | $47 | 0.10% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $46 | — | $46 | 0.10% |
| ROBERT M LYMAN3 | 229 PARADISE BIRD ST HENDERSON, NV 89074 | AFLAC | $42 | — | $42 | 0.09% |
| HAROLD L POSTON SR3 | 2190 WOOD CREEK DR GERMANTOWN, TN 38138 | AFLAC | $41 | — | $41 | 0.09% |
| GREG GRIFFITH3 Filed as: GREG W GRIFFITH | 393 TENNESSEE ST APT 1 MEMPHIS, TN 38103 | AFLAC | $32 | — | $32 | 0.07% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $29 | — | $29 | 0.06% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $28 | — | $28 | 0.06% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $27 | — | $27 | 0.06% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $25 | — | $25 | 0.06% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $24 | — | $24 | 0.05% |
| MARK MARQUEZ3 Filed as: MARK A MARQUEZ | 8601 N BLACK CANYON HWY STE 209 PHOENIX, AZ 85021 | AFLAC | $20 | — | $20 | 0.04% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY NICOLE MURRAY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AFLAC | $18 | — | $18 | 0.04% |
| LINDA MARIE SHERLOCK3 | 108 ETTER ST HOT SPRINGS, AR 71901 | AFLAC | $17 | — | $17 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $16 | — | $16 | 0.04% |
| MARK MARQUEZ3 Filed as: MARK A MARQUEZ | 8611 N BLACK CANYON HWY STE 106 PHOENIX, AZ 85021 | AFLAC | $15 | — | $15 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $15 | — | $15 | 0.03% |
| DAVID L KLEVAN3 | PO BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $14 | — | $14 | 0.03% |
| DONALD B COOK JR3 | 113 CAMERON POINTE DR LAGRANGE, GA 30240 | AFLAC | $10 | — | $10 | 0.02% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $10 | — | $10 | 0.02% |
| SHERI L DUFFIN3 | 1686 VILLAGE RIDGE RD COLLIERVILLE, TN 38017 | AFLAC | $10 | — | $10 | 0.02% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $10 | — | $10 | 0.02% |
| DANA L PURNELL3 | 1121 E SPRING CREEK PKWY STE 110-134 PLANO, TX 75074 | AFLAC | $9 | — | $9 | 0.02% |
| GREGORY O RIPKE3 | PO BOX 407 RED OAK, NC 27868 | AFLAC | $9 | — | $9 | 0.02% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $8 | — | $8 | 0.02% |
| TAMI S GILL3 | 53 MICHELLE DR BRIGHTON, TN 38011 | AFLAC | $8 | — | $8 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.01% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $6 | — | $6 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $5 | — | $5 | 0.01% |
| MP JONES & ASSOCIATES3 | 13846 ATLANTIC BLVD APT 101 JACKSONVILLE, FL 32225 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL E TORRES3 | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $3 | — | $3 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $3 | — | $3 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.01% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $3 | — | $3 | 0.01% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY N MURRAY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH MARTIN KING3 | 27 RIVERCHASE DR MILLINGTON, TN 38053 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $2 | — | $2 | 0.00% |
| MIKE N SEWELL3 | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $1 | — | $1 | 0.00% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $246K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $246K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $291K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $246K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.