| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES W JOYNER3 | 1744 HIGGINSON SQUARE COLLIERVILLE, TN 38017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.31% |
| WILSON S. CANNON3 | 6070 POPLAR AVE. #500 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: DAVID P. ROGERS | P.O. BOX 38991 GERMANTOWN, TN 38183 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $576 | — | $576 | 0.52% |
| EDWIN W BARNETT3 Filed as: EDWIN W. BARNETT | 7906 PLAYERS FOREST DR. STE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $647 | $9K | 12.68% |
| JAMES W JOYNER3 Filed as: JAMES W. JOYNER | 1744 HIGGINSON SQUARE COLLIERVILLE, TN 38017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $937 | — | $937 | 1.28% |
| ROGERS BENEFIT GROUP INC3 Filed as: DAVID P. ROGERS | PO BOX 38991 GERMANTOWN, TN 38183 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $392 | — | $392 | 0.54% |
| WILSON S. CANNON3 Filed as: WILSON S CANNON | 6070 POPLAR AVE. #500 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $375 | — | $375 | 0.51% |
| EDWIN W BARNETT3 Filed as: EDWIN W. BARNETT | 7906 PLAYERS FOREST DR. STE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $440 | $4K | 17.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $22K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
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.