| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $43K | $26K | $68K | 13.70% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $3 | $219 | 8.70% |
| RAYMOND JAMES FINANCIAL SERVICES3 Filed as: RAYMOND JAMES & ASSOCIATES INC | C/O RJ INS GROUP COMMISSIONS ST PETERSBURG, FL 33716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 3.81% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $1 | $61 | 2.42% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $1 | $58 | 2.30% |
| BENCOM LLC3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.03% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.83% |
| BARBARA A WILLIAMS3 | 8290 MISTY CREEK DR GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.64% |
| EMILY COPELAND3 | PO BOX 494 COLLIERVILLE, TN 38027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.36% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.24% |
| JMD GROUP LLC3 | 720 WALNUT STREET CHATTANOOGA, TN 37402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PKWY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| PAMELA LOU RODGERS KLINGBEIL3 Filed as: PAMELA LOU RODGERS KLINGBELL | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| KLINGBEIL AND ASSOCIATES INC3 | KLINGBEIL AND ASSOCIATES ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| UCL FINANCIAL GROUP LLC3 | 1755 NO KIRBY PKWY MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 570 | $502K |
| Dental | UNION SECURITY INSURANCE COMPANY | 570 | $500K |
| Vision | UNION SECURITY INSURANCE COMPANY | 570 | $500K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 570 | $500K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 570 | $500K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 570 | $500K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 570 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.