| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $93K | $96K | 4.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 6.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 12.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBORUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 12.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 58.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 49.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 60.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $334 | — | $334 | 7.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $343 | $343 | 222.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 29982 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 14.94% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $1K | — | $1K | — |
| JENNIFER P EARWOOD3 | 1357 TILTON DR FRANKLIN, TN 37067 | AFLAC | $500 | — | $500 | — |
| JULIE EUBANK HOUGLAND3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $252 | — | $252 | — |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $248 | — | $248 | — |
| CHARLOTTE C MARTIN3 Filed as: CHARLOTTE MARTIN | PO BOX 327 PULASKI, TN 38478 | AFLAC | $36 | — | $36 | — |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $27 | — | $27 | — |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $16 | — | $16 | — |
| ELAINE HICKMAN3 | P O BOX 327 PULASKI, TN 38478 | AFLAC | $10 | — | $10 | — |
| OSCAR LYNN BOYD3 | 255 N DAYHILL RD HARVEST, AL 35749 | AFLAC | $6 | — | $6 | — |
| JOHN T JEWELL3 Filed as: JOHN JEWELL | 2428 AULDRIDGE DR CHRISTIANA, TN 37037 | AFLAC | $6 | — | $6 | — |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $5 | — | $5 | — |
| JEFF HOUCK3 | 2245 OLD WOODBURY HWY STE 6 MANCHESTER, TN 37355 | AFLAC | $4 | — | $4 | — |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $4 | — | $4 | — |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $3 | — | $3 | — |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | — |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | — |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $2 | — | $2 | — |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $2 | — | $2 | — |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | — |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | — |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | — |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $0 | — | $0 | — |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $0 | — | $0 | — |
| BRENDA S SPEER3 Filed as: BRENDA SPEER | PO BOX 327 PULASKI, TN 38478 | AFLAC | $0 | — | $0 | — |
| EVEREE C BICKEL3 | 6310 SW 103RD LN OCALA, FL 34476 | AFLAC | $0 | — | $0 | — |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $0 | — | $0 | — |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $0 | — | $0 | — |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $0 | — | $0 | — |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $122K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $2.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $95K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $107K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $18K |
| Other(8 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.