| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BASIL L. DUFF3 | 106 WELLESLEY PLACE COLUMBIA, TN 38401 | GUARDIAN | $65K | $0 | $65K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | GUARDIAN | $4K | $0 | $4K | — |
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS, LLC | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | $37K | $0 | $37K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON ROAD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $79 | $3K | — |
| BENEFITS FIRST LLC3 | P.O. BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | — | $713 | — |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $72 | $413 | — |
| KAREN W GORDON3 Filed as: KAREN W. GORDON | 390 MASTERS DRIVE LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $22 | $385 | — |
| MICHAEL A DUARTE3 Filed as: MICHAEL A. DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $71 | $226 | — |
| DORIS LINDA MARTIN3 | 449 HUNTINGDON STREET LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | — |
| ALLISON D JONES3 Filed as: ALLISON D. JONES | 296 NORTH BROAD STREET LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | — |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | — |
| JENNIFER GRIGGS3 Filed as: JENNIFER HUNTER | 23138 HIGHWAY 39 BRINKLEY, TN 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 238 | $0 |
| Vision | GUARDIAN | 238 | $0 |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 238 | $0 |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 218 | $0 |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 238 | $0 |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | 0 | $0 |
| Other | GUARDIAN | 238 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.