| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $18K | — | $18K | 4.82% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 18.48% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 14.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 12.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $788 | — | $788 | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $655 | — | $655 | 0.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TX 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $4K | — | $4K | 4.95% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.79% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.43% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $9K | 28.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $334 | $334 | 1.24% |
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 | 1,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 115 | $1.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,229 | $382K |
| Vision | VISION SERVICE PLAN | 796 | $82K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 530 | $243K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 381 | $266K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 496 | $142K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 18 | $132K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 545 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,229 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.