| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 4.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $5K | $19K | 13.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 15.54% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 9.22% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 0.95% |
| TIMOTHY CHAPPELL3 Filed as: TIMOTHY CHAPPEL | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $590 | — | $590 | 0.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 13.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $7K | 13.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 3.97% |
| JON P CHANEY3 | 173 BEVERLY RANDOLPH DRIVE MURFREESBORO, TN 37129 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.07% |
| TRISTAR BENEFIT SOLUTIONS LLC3 | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.78% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR. | 1210 KINGS BROOK DR SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $117 | — | $117 | 0.53% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEW MARKET PKWY SE, STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $94 | — | $94 | 0.43% |
| TONYA S LANCASTER3 | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | — | $58 | 0.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $610 | $138 | $748 | 18.38% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 544 | $198K |
| Vision | VISION SERVICE PLAN | 243 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $147K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 253 | $69K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 253 | $56K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.