| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BLVD STE353 BRENTWOOD, TN 37027 | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | $35K | — | $35K | 2.86% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BLVD STE353 BRENTWOOD, TN 37027 | PACIFIC LIFE & ANNUNITY COMPANY | $11K | — | $11K | 15.00% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 5.45% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $21 | $395 | 1.94% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 1325 BLACK RD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $21 | $263 | 1.29% |
| KELLE DAGGETT PERRY3 | 797 OLD CC RD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $3 | $172 | 0.85% |
| INSPRIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $10 | $129 | 0.63% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 0.57% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.16% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.06% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | 252 | $1.2M |
| Dental | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | 252 | $1.2M |
| Vision | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | 252 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | PACIFIC LIFE & ANNUNITY COMPANY | 119 | $90K |
| Short-term disability(2 contracts, 2 carriers) | PACIFIC LIFE & ANNUNITY COMPANY | 119 | $90K |
| Long-term disability(2 contracts, 2 carriers) | PACIFIC LIFE & ANNUNITY COMPANY | 119 | $90K |
| Other | PACIFIC LIFE & ANNUNITY COMPANY | 119 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.