| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH L GREENE3 Filed as: JOSEPH GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $34 | $2K | 7.64% |
| J SHANNON SHEPPARD3 Filed as: SHANNON SHEPPARD | 10105 GILLESPIE OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $93 | $2K | 6.89% |
| STEVEN WELTON GREGORY3 Filed as: STEVEN GREGORY | 614 CAMELLIA POINTE BLVD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $83 | $1K | 5.11% |
| JOHN R JOHN3 Filed as: JOHN R. JOHN | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | 4.21% |
| JANICE D RUCKS3 Filed as: JANICE RUCKS | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $30 | $315 | 1.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, AL 60673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $83 | $235 | 0.90% |
| JANICE W MORRISON3 Filed as: JANICE MORRISON | 16342 ASPEN LANE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $0 | $206 | 0.79% |
| APRIL MECHATTO3 | 123 BAYOU CIRCLE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.13% |
| EMILY COPELAND3 | P.O BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.12% |
| PORTER A BURKE3 Filed as: PORTER BURKE | 113 N MCGREGOR ST. WIGGINS, MS 39577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| HUNTER PARKER WHITE3 Filed as: HUNTER PARK WHITE | P.O BOX 230247 MONTGOMERY, AL 36123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29 | — |
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.