| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY STANSBURY3 Filed as: HARRY W STANSBURY | 10005 BENTWOOD PEAK CV COLLIERVILLE, TN 38017 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $89K | $0 | $89K | 5.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $4K | $25K | 17.96% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLINA CIR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $8K | $11K | 8.14% |
| BRAD DACUS3 | 835 N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 5.99% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.62% |
| ASHLEY S WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.49% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST APT 1E CHICAGO, IL 60640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $441 | $3K | 1.81% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.46% |
| HENRY LEE MCCARTY3 | 1415 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $167 | $2K | 1.11% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $667 | $202 | $869 | 0.62% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $834 | $0 | $834 | 0.60% |
| MARY KAITLIN SLAUSON3 | 9294 TORRINGTON CV CORDOVA, TN 38016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $432 | $221 | $653 | 0.47% |
| AARON WISE3 | 2183 PIEDMONT AVE MEMPHIS, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $557 | $12 | $569 | 0.41% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $215 | $315 | $530 | 0.38% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $361 | $114 | $475 | 0.34% |
| ERIC ISIDRO PEREZ3 | 1274 CROES AVENUE BRONX, NY 10472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $0 | $453 | 0.33% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $12 | $327 | 0.23% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $217 | $0 | $217 | 0.16% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $12 | $204 | 0.15% |
| LINDA CANTU3 | 6401 N LA VILLITA ST EDINBURG, TX 78542 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.11% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE XING CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.11% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP LLC | 5210 COTTONWOOD CREEK LN LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $4 | $87 | 0.06% |
| NOAH OROPEZA3 | 5305 N GINNING DE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $38 | $80 | 0.06% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $44 | $78 | 0.06% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $47 | $57 | 0.04% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $21 | $45 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $103 | $1K | 10.55% |
| BRAD DACUS3 | 835 N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $21 | $76 | 0.66% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.54% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $26 | $57 | 0.50% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLINA CIR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $30 | $45 | 0.39% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.27% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST APT 1E CHICAGO, IL 60640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.10% |
| AARON WISE3 | 2183 PIEDMONT AVE MEMPHIS, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $234 | $2K | 14.82% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLINA CIR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $326 | $674 | $1K | 9.15% |
| BRAD DACUS3 | 835 N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $173 | $584 | 5.34% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $161 | $334 | 3.05% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 1.14% |
| MARY KAITLIN SLAUSON3 | 9294 TORRINGTON CV CORDOVA, TN 38016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $30 | $89 | 0.81% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.41% |
| HENRY LEE MCCARTY3 | 1415 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $4 | $39 | 0.36% |
| AARON WISE3 | 2183 PIEDMONT AVE MEMPHIS, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 0.28% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.16% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE CROSSING CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| ERIC ISIDRO PEREZ3 | 1274 CROES AVENUE BRONX, NY 10472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 291 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 291 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 291 | $1.6M |
| Life insurance(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $162K |
| Short-term disability(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $162K |
| Other(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.