| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $9K | $23K | 16.21% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | 1517 HATCHER LANE COLUMBIA, TN 38401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $14K | 16.20% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | 1517 HATCHER LANE COLUMBIA, TN 38401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 19.44% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | 1517 HATCHER LANE COLUMBIA, TN 38401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 744833 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | — | $2K | 3.54% |
| W ROGER WITHEROW3 | P O BOX 375 COLUMBIA, TN 38402 | VISION SERVICE PLAN | $733 | — | $733 | 1.43% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $376 | $2K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $99 | $1K | 4.05% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $773 | $331 | $1K | 3.67% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $436 | $211 | $647 | 2.15% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.50% |
| BRANDI TAFT3 | 6413 PREMIER DRIVE NASHVILLE, TN 37209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.29% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.21% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.21% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.15% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.37% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | 1517 HATCHER LANE COLUMBIA, TN 38401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.81% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $381 | $113 | $494 | 5.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $30 | $335 | 4.01% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 3.70% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 3.54% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $92 | $291 | 3.48% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $61 | $175 | 2.10% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.54% |
| BRANDI TAFT3 | 6413 PREMIER DRIVE NASHVILLE, TN 37209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.38% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.34% |
| MARILYN DECKER3 | 5173 JOHN HAGER ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.25% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUOSE, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.25% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.17% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $427 | — | $427 | 12.30% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37072 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $288 | $111 | $399 | 11.49% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | — | $328 | 9.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $276 | $34 | $310 | 8.93% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $107 | $279 | 8.04% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONAIL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $67 | $188 | 5.41% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | 1.81% |
| DENNIS E TRAYWICK3 | 6736 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 1.00% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.85% |
| MARILYN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.75% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.75% |
| BRANDI TAFT3 | 6413 PREMIER DRIVE NASHVILLE, TN 37209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.30% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.30% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.30% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.25% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.10% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 7.83% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $15 | $64 | 6.77% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 6.46% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $17 | $48 | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $4 | $43 | 4.55% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOS, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $10 | $31 | 3.28% |
| BRANDI TAFT3 | 6413 PREMIER DRIVE NASHVILLE, TN 37209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.63% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOCIATES INC | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.63% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.32% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $25 | $89 | 11.51% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 10.09% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $7 | $66 | 8.54% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $22 | $58 | 7.50% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $15 | $42 | 5.43% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 5.31% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW | P O BOX 375 COLUMBIA, TN 38402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 4.42% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DRIVE FAIRVIEW, TN 37062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 4.42% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 2.65% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6067 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.88% |
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 | 437 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $2.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $2.8M |
| Vision | VISION SERVICE PLAN | 286 | $51K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $84K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $2.8M |
| Other(10 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.