| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFERY LYNCH3 | 783 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | $45K | — | $45K | 3.17% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BLVD STE353 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.31% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | $138 | $853 | 2.51% |
| KELLE DAGGETT PERRY3 | 797 OLD CC RD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $649 | $24 | $673 | 1.98% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | $88 | $595 | 1.75% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $122 | $424 | 1.25% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.34% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.26% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.11% |
| TERI MAYNARD3 | 1234 CALIFORNIA DR MURFREESBORO, TN 37129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.09% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BLVD STE353 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | — | $15K | 100.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | 282 | $1.4M |
| Dental | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | 282 | $1.4M |
| Vision | BLUECROSS BLUESCHIELD OF TENNESSEE, INC | 282 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 119 | $49K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 119 | $49K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 119 | $49K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 119 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.