| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPAY AND AFFILIATES | $201K | $7K | $208K | 3.11% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPAY AND AFFILIATES | $152K | — | $152K | 2.28% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $6K | $46K | 24.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $24K | 13.38% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $9K | $34K | 20.16% |
| CHARLES ROBERT PRUETT3 Filed as: CHARLES E GREER | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 3.91% |
| CHARLES ROBERT PRUETT3 | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $885 | $100 | $985 | 0.72% |
| CHARLES ROBERT PRUETT3 Filed as: CHARLES E. GREER | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 5.09% |
| CHARLES ROBERT PRUETT3 | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $1K | $130 | $1K | 0.93% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | VISION SERVICE PLAN | $3K | — | $3K | 2.37% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $15K | 50.54% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.70% |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPAY AND AFFILIATES | 2,173 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPAY AND AFFILIATES | 2,173 | $6.7M |
| Vision | VISION SERVICE PLAN | 1,242 | $106K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 716 | $26K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 716 | $168K |
| Long-term disability | NORTHWESTERN MUTUAL | 715 | $136K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPAY AND AFFILIATES | 2,173 | $6.7M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,068 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.