| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | PO BOX 291029 NASHVILLE, TN 37229 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN TN | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TX 37027 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $10K | — | $10K | 4.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 21.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $569 | $569 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 14.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 12.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $269 | $269 | 0.17% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $238 | $238 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $1K | $19K | 15.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $3K | — | $3K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | $2K | $930 | $3K | 8.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 20.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TX 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $195 | $4K | 15.88% |
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 | 1,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 107 | $1.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 923 | $279K |
| Vision | VISION SERVICE PLAN | 701 | $67K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 464 | $202K |
| Short-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 464 | $396K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 490 | $122K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 12 | $98K |
| Stop-loss / reinsurancereinsurance(2 contracts) | INTL ASSURANCE OF TN- GERBER LIFE | 504 | $481K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 509 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.