| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD HURWITZ3 | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $34K | $0 | $34K | 15.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASSELL DRIVE ROCKVALE, TN 37153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 21.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 11.63% |
| BELINDA PICKEL3 | 113 WYNCREST COURT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.43% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $538 | $0 | $538 | 2.33% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.15% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC | $734 | $0 | $734 | 4.98% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 4 | $15K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 322 | $227K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $227K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 4 | $15K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 322 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
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.