| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $1K | $14K | 4.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 4.15% |
| PRIITCHARD AND JERDEN3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.32% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 372043747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $15K | 13.40% |
| PRITCHARD & JERDEN INC3 | ONE ATLANTA PLAZA EAST PACES FERRY SUITE 2000 ALANTA, GA 30326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 3011 ARMORY DR STE 250 NASHVILLE, TN 372043747 | DELTA DENTAL OF TENNESSE | $4K | — | $4K | 4.86% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN | 950 E PACES FERRY RD NE ATLANTA, GA 30326 | DELTA DENTAL OF TENNESSE | $3K | — | $3K | 3.32% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DR STE 250 NASHVILLE, TN 372043747 | DELTA DENTAL OF TENNESSE | $2K | — | $2K | 1.82% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 198 | $338K |
| Dental | DELTA DENTAL OF TENNESSE | 314 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $113K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $113K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $113K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $113K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.