| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY STANSBURY3 Filed as: HARRY W STANSBURY | 1661 INTERNATIONAL DRIVE SUITE 301 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $79K | $0 | $79K | 5.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $40 | $19K | 23.58% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 10.49% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $451 | $4K | 5.32% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $390 | $3K | 3.95% |
| ERIC ISIDRO PEREZ3 | 1274 CROES AVENUE BRONX, NY 10472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.40% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $158 | $2K | 2.20% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $701 | $2K | 2.18% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE XING CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 1.32% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $855 | $0 | $855 | 1.08% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP LIE | 5210 COTTONWOOD CREEK LLC LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $22 | $325 | 0.41% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $143 | $271 | 0.34% |
| ANN HENRY CONSULTING LLC3 | 2045 GALLINA CIR. COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $178 | $206 | 0.26% |
| BRAD DACUS3 | 835 N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $14 | $109 | 0.14% |
| GASPARD EMPLOYEE BENEFITS LLC3 Filed as: GASPARD EMPLOYEE BENEFITS LIE | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $19 | $52 | 0.07% |
| STACEY HENN GASPARD3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| HOLLINGSWORTH BENEFITS SOLUTIONS3 | 2 WIGEON RAYMOND, MS 39154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| FRANK WOODWARD CRAIG3 | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $7 | $3K | 16.21% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 6.22% |
| JOHN RENE WALDRUP3 | 295 POSEY LN VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $813 | $351 | $1K | 5.83% |
| ASHLEY S WALDRUP3 | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $182 | $446 | 2.23% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD COLDWATER, MS 38618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $352 | $50 | $402 | 2.01% |
| JULIA B SMITH3 | 3188 DOVER RD BENTONIA, MS 39040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $269 | $27 | $296 | 1.48% |
| ROBERT TYLER STANLEY3 | 106 BAINBRIDGE XING CANTON, MS 39046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $3 | $109 | 0.55% |
| BRAD DACUS3 | 835 N SANGA RD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.07% |
| GASPARD EMPLOYEE BENEFITS LLC3 | 102 RED OAK LN BRANDON, MS 39042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.05% |
| ERIC ISIDRO PEREZ3 | 1274 CROES AVENUE BRONX, NY 10472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR. STE 300 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$8 | -$4 | -$12 | -1.29% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 310 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 310 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 310 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 198 | $100K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 198 | $99K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 198 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.