| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAN RAMSEY3 | 1755 N KIRBY PKWY STE 300 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE | $17K | — | $17K | 6.36% |
| LEAN RAMSEY3 Filed as: LEAN L RAMSEY | 1755 N KIRBY PKWY STE 300 MEMPHIS, TN 38120 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 12.89% |
| UCL FINANCIAL GROUP LLC3 Filed as: UCL FINANCIAL | 1755 N KIRBY PKWY MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 20.87% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 11.58% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $761 | $4K | 10.39% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 9.59% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $263 | $2K | 5.71% |
| ALEXANDER EVANS3 | 8690 BASEMORE RD CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $56 | $2K | 4.67% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | $64 | $780 | 2.23% |
| LLOYD JOSEPH CALDEMEYER3 | 8881 RASPBERRY LN CORDOVA, TN 38016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $28 | $764 | 2.18% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S PURVIS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | $117 | $726 | 2.07% |
| JAMES G MCALISTER3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $111 | $178 | 0.51% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | 0.07% |
| UCL FINANCIAL GROUP LLC3 | 1755 KIRBY PKWY STE 300 MEMPHIS, TN 38120 | AMERITAS LIFE INSURANCE CORPORATION | $957 | — | $957 | 10.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 78 | $260K |
| Dental | UNION SECURITY INSURANCE COMPANY | 161 | $51K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 187 | $10K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 161 | $51K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 161 | $51K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 161 | $51K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 161 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.