| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $35K | — | $35K | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | — | $2K | $2K | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $8K | $25K | 22.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 23.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 21.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 16.81% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 12.66% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BERNTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $686 | — | $686 | 1.93% |
| H BRIAN GIBSON3 | 8075 SAWYER BROWN ROAD NASHVILLE, TN 37221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 0.77% |
| JAMES E WOOD3 | 123 SPRINGFIELD DRIVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 0.66% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.48% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERET | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $767 | $3K | 20.88% |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 356 | $906K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 356 | $906K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 571 | $126K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $80K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 356 | $906K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 571 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.