| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.60% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 20.55% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO ROAD, SUITE 310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.48% |
| RXEDO0 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.03% |
| AGA INSURANCE INC3 Filed as: AGA INSURANCE, INC. | 1176 NORTH KENTUCKY STREET, SUITE A KINGSTON, TN 37763 | USABLE LIFE | $252 | $0 | $252 | 10.81% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $87 | $0 | $87 | 3.73% |
| DARWIN HOLT3 | 107 ROSE GARDEN LANE GOODLETTSVILLE, TN 37072 | USABLE LIFE | $13 | $0 | $13 | 0.56% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.8M |
| Vision | VISION SERVICE PLAN | 367 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 627 | $263K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 627 | $263K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.8M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 682 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.