| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $30K | — | $30K | 4.80% |
| COLLIER INSURANCE3 | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | DELTA DENTAL OF TENNESSEE | $17K | — | $17K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $12K | $46K | 11.53% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $12K | $38K | 9.70% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $10K | $30K | 9.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 8.42% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $80K | $96K | 39.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 8.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $8K | — | $8K | 5.61% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | VISION SERVICE PLAN | $6K | — | $6K | 4.51% |
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 | 3,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INS CO | 1,384 | $1.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 2,343 | $620K |
| Vision | VISION SERVICE PLAN | 1,309 | $142K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 951 | $395K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $309K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 515 | $244K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 951 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.