| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULL SERVICE INSURANCE, INC.3 Filed as: FULL SERVICE INSURANCE | 903 MURFREESBORO RD FRANKLIN, TN 37064 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | $9K | $2K | $11K | 17.82% |
| FULL SERVICE INSURANCE, INC.3 Filed as: FULL SERVICE INSURANCE | 903 MURFREESBORO ROAD FRANKLIN, TN 37064 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | $9K | $2K | $11K | 17.95% |
| FULL SERVICE INSURANCE, INC.3 Filed as: FULL SERVICE INSURANCE | 903 MURFREESBORO ROAD FRANKLIN, TN 37064 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | $7K | $1K | $8K | 17.84% |
| FULL SERVICE INSURANCE, INC.3 Filed as: FULL SERVICE INSURANCE | 903 MURFREESBORO ROAD FRANKLIN, TN 37064 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | $1K | $271 | $2K | 17.85% |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | 295 | $63K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | 147 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | 121 | $59K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA | 606 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.