| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G MCALISTER3 | 7162 CHESSINGTON DR FAIRVIEW, TN 37062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 5.48% |
| WILLIAM BRITAIN OEHMIG3 Filed as: WILLIAM BRITAI OEHMIG | PO BOX 2587 CHATTANOOGA, TN 37409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.64% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $384 | $5K | 4.12% |
| RICHARD M BRAME3 | 8238 MILL RACE DR OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.54% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.99% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $962 | $3K | 2.45% |
| STEVE A CALVERT3 | 103 MAIN ST SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $27 | $2K | 1.61% |
| JAMES D SAMS3 | 239 FENWAY RD COLUMBUS, OH 43214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.59% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $825 | $5 | $830 | 0.74% |
| BRENDA H BRIDGES3 Filed as: BRENDA H. BRIDGES | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $2 | $389 | 0.35% |
| BRANDI TAFT3 | 6413 PREMIER DR NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.17% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.17% |
| LUKE MURRAY3 | 8793 OAK VILLAGE BLVD LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.14% |
| KELLE DAGGETT PERRY3 | 797 OLD CC RD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.10% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $15 | $95 | 0.08% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $8 | $88 | 0.08% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINTE DR KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $1 | $30 | 0.03% |
| JAMES G MCALISTER3 | 7162 CHESSINGTON DR FAIRVIEW, TN 37062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $826 | $5K | 5.00% |
| RICHARD M BRAME3 | 8238 MILL RACE DR OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.03% |
| WILLIAM BRITAIN OEHMIG3 | PO BOX 2587 CHATTANOOGA, TN 37409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.54% |
| BRIDGET ZUNIGA3 | 14608 W 62ND ST SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $374 | $3K | 2.93% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $636 | $2K | 2.44% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $603 | $2K | 2.11% |
| PAMELA SWANSON ALLEN3 | 7736 WESTGATE DR LENEXA, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $38 | $1K | 1.56% |
| LONNIE SCHULTZ3 | 12631 NEWTON ST APT 21201 OVERLAND PARK, KS 66213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $20 | $1K | 1.19% |
| BENEFIT ENROLLEMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | — | $737 | 0.81% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LN HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | $131 | $642 | 0.71% |
| RON BOWLING3 | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $4 | $321 | 0.35% |
| KELLE DAGGETT PERRY3 | 797 OLD CC RD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.22% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINTE DR KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | 0.06% |
| JAMES MOORE3 | 2007 SW MEYER BLVD BLUE SPRINGS, MO 64015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.04% |
| LELAND SCOTT BURKHART3 | 4828 MCCORMICK ST LAWRENCE, KS 66047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| BRENDA H BRIDGES3 | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BENEFIT PLANS INC3 | 3310 GLENVIEW PL PO BOX 2587 CHATTANOOGA, TN 37363 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.65% |
| BRAME, RICHARD M3 | 8238 MILL RACE DRIVE OOLTEWAH, TN 37363 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.65% |
| TRAYWICK, DENNIS3 | 1325 BLACK RD PROSPECT, TN 38477 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.11% |
| BENEFIT PLANS INC3 | 3310 GLENVIEW PL P O BOX 2587 CHATTANOOGA, TN 37409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.24% |
| BRAME, RICHARD M3 | 8238 MILL RACE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.24% |
| TRAYWICK, DENNIS3 | 1325 BLACK RD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.49% |
| PROPEL INSURANCE3 | STE 210 151 MAJOR REYNOLDS PL KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 0.73% |
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 | 213 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $202K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 214 | $90K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 214 | $90K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $112K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $202K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $28K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.