| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $77K | $116K | 4.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632866 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $52K | $56K | 2.21% |
| 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 | $4 | $491 | $495 | 0.02% |
| DONALD HURWITZ3 Filed as: DONALD S. HURWITZ | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 12.72% |
| KANDI H HECKLER3 Filed as: KANDI H. HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $3K | $43 | $3K | 9.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632866 CINCINNATI, OH 45263 | AFLAC | $3K | $0 | $3K | 9.24% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $1K | $50 | $1K | 3.46% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 34135 | AFLAC | $961 | $0 | $961 | 3.08% |
| BELINDA PICKEL3 Filed as: BELINDA B. PICKEL | 113 WYNCREST COURT HENDERSONVILLE, TN 37075 | AFLAC | $715 | $10 | $725 | 2.32% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY AND OTHER AGENTS | 240 WILSON PIKE CIRCLE, SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $657 | — | $657 | 2.10% |
| APRIL D. SINGLETON3 | 1381 POOSHEE DRIVE CHARLESTON, SC 29407 | AFLAC | $387 | $0 | $387 | 1.24% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $2.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $262K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $262K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $262K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $2.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
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.