| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2002 RICHARD JONES ROAD SUITE A-306 NASHVILLE, TN 37215 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $41 | $7K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD VIRGINIA BEACH, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.20% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON-BRANDON JACKSON & WARD INC | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 2002 RICHARD JONES ROAD SUITE A 306 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 9.24% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF AMERICA | $969 | $2K | $3K | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2002 RICHARD JONES ROAD SUITE A 306 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.34% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $563 | $1K | $2K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2002 RICHARD JONES ROAD SUITE A 306 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.36% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | $848 | $1K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2002 RICHARD JONES ROAD SUITE A 306 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF AMERICA | $553 | — | $553 | 9.36% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF AMERICA | $37 | $91 | $128 | 2.17% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $199K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $199K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 510 | $127K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $50K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 510 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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."
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.