| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | 6 CADILLAC DRIVE , SUIT 200 BRENTWOOD, TN 37027 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $85K | $15K | $101K | 15.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DR., SUITE 200 BRENTWOOD, TN 37027 | LIBERTY LIFE ASSURNACE COMPANY OF BOSTON | $42K | $7K | $49K | 14.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | $5K | $36K | 14.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE # 200 BRENTWOOD, TN 37027 | EYEMED VISION CARE | $14K | — | $14K | 10.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DR., # 200 BRENTWOOD, TN 37027 | EYEMED VISION CARE | $240 | — | $240 | 4.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RGI & AFFILIATES EMPLOYEE BENEFITS EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $844K |
| 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 | 1,919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 2,903 | $148K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,919 | $632K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,697 | $247K |
| Long-term disability | LIBERTY LIFE ASSURNACE COMPANY OF BOSTON | 1,677 | $334K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,919 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,903 | — |
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.