| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY STANSBURY3 Filed as: HARRY W STANSBURY | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $94K | $0 | $94K | 6.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $989 | $11K | 9.62% |
| BRAD DACUS3 | 835N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $369 | $4K | 3.40% |
| GASPARD EMPLOYEE BENEFITSLLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $650 | $2K | 1.78% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLNA CIR COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $90 | $1K | 1.17% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.90% |
| MARIA VERONICA JARQUE3 | 542 HOSMER ST EL CAJON, CA 92020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $529 | $69 | $598 | 0.53% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $384 | $0 | $384 | 0.34% |
| HENRY LEE MCCARTY3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $350 | $12 | $362 | 0.32% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH ST STE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.17% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DR STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $132 | $171 | 0.15% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $65 | $155 | 0.14% |
| STEVENSON JOHNSON3 | 9741 WOODLAND BROOK CV CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $16 | $105 | 0.09% |
| AARON WISE3 | 2183 PEIDMONT AVE MEMPHIS, TN 38108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.09% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $23 | $97 | 0.09% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $1 | $81 | 0.07% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $35 | $79 | 0.07% |
| MARY KAITLIN SLAUSON3 | 9294 TORRINGTON CV CORDOVA, TN 38016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.07% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON LN RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $12 | $45 | 0.04% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.03% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.03% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP LLC | 5210 COTTONWOOD CREEKLN LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: JIMMY RAY ROGERS | 954 HEATHER LAKE DR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $3 | $28 | 0.02% |
| NOAH OROPEZA3 | 5305N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $10 | $27 | 0.02% |
| FREDERICK AARON CHAMBERS3 | 500 SKYLINE DR APT 94 MCMINNVILLE, TN 37110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $934 | $42 | $976 | 8.41% |
| BRAD DACUS3 | 835N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $24 | $288 | 2.48% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 1.16% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLNA CIR COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $4 | $86 | 0.74% |
| GASPARD EMPLOYEE BENEFITSLLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $19 | $83 | 0.72% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.43% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
| MARY KAITLIN SLAUSON3 | 9294 TORRINGTON CV CORDOVA, TN 38016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| HENRY LEE MCCARTY3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| AARON WISE3 | 2183 PEIDMONT AVE MEMPHIS, TN 38108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: JIMMY RAY ROGERS | 954 HEATHER LAKE DR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | 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 | $50 | $1K | 10.45% |
| BRAD DACUS3 | 835N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $6 | $67 | 0.63% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.50% |
| GASPARD EMPLOYEE BENEFITSLLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $9 | $35 | 0.33% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.24% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLNA CIR COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: JIMMY RAY ROGERS | 954 HEATHER LAKE DR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MARIA VERONICA JARQUE3 | 542 HOSMER ST EL CAJON, CA 92020 | 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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 298 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 298 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 298 | $1.4M |
| Life insurance(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 185 | $136K |
| Short-term disability(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 185 | $136K |
| Other(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 185 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.