| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN R JOHN3 Filed as: JOHN R. JOHN | 948 REDDOCK COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 4.35% |
| J SHANNON SHEPPARD3 Filed as: SHANNON SHEPARD | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 4.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 3.95% |
| JOSEPH L GREENE3 Filed as: JOSEPH GREENE | 7443 POPLAR PIKE GERMANTOWN, AL 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $56 | $5K | 2.55% |
| JESSICA SHELTON3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.91% |
| MELISSA BILLINGSLEY3 Filed as: MELISSA BILLINGSLEY AND MISC AGENTS | 1509 GOVERNMENT STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $977 | $3K | 1.29% |
| JANICE D RUCKS3 Filed as: JANICE RUCKS | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $37 | $1K | 0.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.97% |
| J SHANNON SHEPPARD3 Filed as: SHANNON SHEPARD | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $884 | $184 | $1K | 3.85% |
| JOHN R JOHN3 Filed as: JOHN R. JOHN | 948 REDDOCK COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | $10 | $893 | 3.22% |
| JOSEPH L GREENE3 Filed as: JOSEPH GREENE | 7443 POPLAR PIKE GERMANTOWN, AL 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | $10 | $893 | 3.22% |
| MJ INSURANCE3 Filed as: EMILY COPELAND AND VARIOUS AGENTS | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $155 | $326 | 1.17% |
| JESSICA SHELTON3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $67 | $220 | 0.79% |
| JANICE D RUCKS3 Filed as: JANICE RUCKS | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $1 | $87 | 0.31% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.