| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAN RAMSEY3 | 1755 N KIRBY PKWY STE 300 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE | $31K | — | $31K | 7.28% |
| UCL FINANCIAL GROUP LLC3 | 1755 N KIRBY PKWY STE 300 MEMPHIS, TN 38120 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 12.87% |
| UCL FINANCIAL GROUP LLC3 Filed as: UCL FINANCIAL | 1755 N KIRBY PKWY MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.46% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $147 | $1K | 5.47% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $46 | $1K | 4.57% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $968 | $222 | $1K | 4.36% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $106 | $712 | 2.61% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S PURVIS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $30 | $161 | 0.59% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $11 | $150 | 0.55% |
| ALEXANDER EVANS3 | 8690 BASEMORE RD CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.44% |
| LLOYD JOSEPH CALDEMEYER3 | 8881 RASPBERRY LN CORDOVA, TN 38016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $2 | $71 | 0.26% |
| JAMES G MCALISTER3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.03% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| UCL FINANCIAL GROUP LLC3 | 1755 KIRBY PKWY STE 300 MEMPHIS, TN 38120 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 6.08% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE STE 200 MEMPHIS, TN 38112 | AMERITAS LIFE INSURANCE CORPORATION | $654 | — | $654 | 3.92% |
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 | 197 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 89 | $430K |
| Dental | UNION SECURITY INSURANCE COMPANY | 197 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 176 | $17K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 197 | $59K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 197 | $59K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 197 | $59K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 197 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.