| 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 | $183K | $5K | $188K | 20.49% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $40K | $589 | $41K | 15.22% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 17.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS, INC. | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.21% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.26% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST COURT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.10% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $463 | — | $463 | 0.87% |
| ABD INS. AND FINANCIAL SVCS., INC. | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC | $2K | $0 | $2K | 4.57% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $802 | $0 | $802 | 2.54% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $983K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $918K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $918K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 351 | $269K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 351 | $269K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 351 | $269K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $983K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 351 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.