| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE,INC | PO BOX 1490 JACKSON, MS 39215 | IRONSHORE INDEMNITY, INC. | $162K | — | $162K | 6.00% |
| SECURITY INSURANCE AGENCY INC3 Filed as: SECURITY INSURANCE AGENCY, INC. | 802 KOSIUSKI ROAD PO BOX 89 PHILADELPHIA, MS 39350 | IRONSHORE INDEMNITY, INC. | $108K | — | $108K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67K | $5K | $72K | 9.71% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | — | $44K | 6.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 2.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66K | $5K | $72K | 9.71% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | — | $44K | 6.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 2.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $5K | $48K | 10.11% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | — | $28K | 6.00% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $14K | $14K | 3.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 2.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | STARMOUNT LIFE INSURANCE COMPANY | $46K | — | $46K | 10.80% |
| ALLEN D HARDY3 | 802 KOSCIUSKO ROAD PHILADELPHIA, MS 39350 | STARMOUNT LIFE INSURANCE COMPANY | $30K | — | $30K | 7.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.87% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | MUTUAL OF OMAHA INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | — | MD LIVE - COMPETITIVE HEALTH INFORMATION | $9K | — | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 10.94% |
| PHILADELPHIA INSURANCE AGENCY3 | 802 KOSCIUSKO ROAD PO BOX 89 PHILADELPHIA, MS 39350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | MUTUAL OF OMAHA INSURANCE COMPANY | $587 | — | $587 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TN EIN 62-0427913 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $1.8M |
| DELTA DENTAL OF TN EIN 62-0812197 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $132K |
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 | 3,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 3,278 | $424K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,495 | $1.2M |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,128 | $866K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $67K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC. | 3,638 | $2.7M |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,873 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,873 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.