| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 12 CADILLAC DRIVE, SUITE 160 NASHVILLE, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $61K | $68K | 3.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$38 | -$210 | -$248 | -0.01% |
| DONALD HURWITZ3 Filed as: DONALD S. HURWITZ | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 12.59% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $2K | $14 | $2K | 12.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE | PO BOX 632886 CINCINNATI, OH 75263 | AFLAC | $2K | $0 | $2K | 11.70% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $1K | $93 | $1K | 7.14% |
| DAVID M CRUMLEY3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $1K | $0 | $1K | 6.63% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST COURT HENDERSON, TN 37075 | AFLAC | $538 | $3 | $541 | 3.05% |
| JAMES E GOLDRICK3 Filed as: JAMES GOLDRICK AND MISC AGENTS | 39 MOSES LANE SOUTHAMPTON, NY 11968 | AFLAC | $156 | $0 | $156 | 0.88% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHROPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $42 | $0 | $42 | 0.24% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $249K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $249K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $249K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.