| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC. | 6 CADILLAC DR. SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC. | 6 CADILLAC DR. SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC. | 6 CADILLAC DR. SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC. | 6 CADILLAC DR. SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | EYEMED VISION CARE | $4K | — | $4K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN, INC. | 6 CADILLAC DR. SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | EYEMED VISION CARE | $8K | — | $8K | 115.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RGI & AFFILIATES EMPLOYEE BENEFITS EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $738K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Contract Administrator Service code 13 | — | $50K |
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 | 1,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 2,575 | $116K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,856 | $463K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,615 | $192K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,580 | $218K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,856 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,575 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.