| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANITA BLACKMER3 | 3011 ARMORY DR., STE. 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $42K | — | $42K | 6.58% |
| CRICHTON BRANDON JACKSON3 | PO BOX 306015 NASHVILLE, TN 372306015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| CRICHTON BRANDON JACKSON3 Filed as: CRICHTON BRANDON & JACKSON | PO BOX 306015 NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $12 | $316 | 6.26% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $15 | $207 | 4.10% |
| SHELIA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 1.07% |
| LINDA CURLEY3 | 201 GRIZZARD AVE. NASHVILLE, TN 37207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $3 | $50 | 0.99% |
| LISA JENNETTE UNDERHILL3 Filed as: LISA JEANETTE UNDERHILL | 1296 RED OAK DR BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.53% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR. GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $8 | $20 | 0.40% |
| DEBBIE R CUNNINGHAM3 | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.24% |
| MELISSA MARIE HURLEY3 Filed as: MELISSA SUE JONES | 3222 MOOREHEAD DR. NASHVILLE, TN 37207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| MITZI FARLEY3 | 112 SPRINGFIELD DR. SMYRNA, TN 37167 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| CRICHTON BRANDON JACKSON & WARD INC3 | PO BOX 306015 NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $15 | $267 | 8.07% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $19 | $150 | 4.54% |
| LINDA CURLEY3 | 201 GRIZZARD AVE, NASHVILLE, TN 37207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $4 | $56 | 1.69% |
| SHELIA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $1 | $38 | 1.15% |
| LISA JENNETTE UNDERHILL3 Filed as: LISA JEANETTE UNDERHILL | 1296 RED OAK DR. BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 1.06% |
| MITZI FARLEY3 | 112 SPRINGFIELD DR. SMYRNA, TN 37167 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.88% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR. GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.70% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $639K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $639K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $639K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $13K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 14 | $8K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.