| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST. STE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $152K | $152K | 35.18% |
| AGA INSURANCE INC3 Filed as: AGA | 1176 N. KENTUCKY ST KINGSTON, TN 37763 | GERBER LIFE INSURANCE COMPANY | $130K | — | $130K | 30.14% |
| LIFESTYLE HEALTH ADVISORS3 | 29 GEORGETOWN COVE JACKSON, TN 38305 | GERBER LIFE INSURANCE COMPANY | $47K | — | $47K | 10.81% |
| PHCS4 Filed as: MULTIPLAN INC PHCS | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 100879380 | GERBER LIFE INSURANCE COMPANY | — | $23K | $23K | 5.27% |
| CULTRA3 | 1781 SHOAL CREEK LANE COLLIERVILLE, TN 38017 | GERBER LIFE INSURANCE COMPANY | $9K | — | $9K | 2.02% |
| CARE ADVOCATES4 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $5K | $5K | 1.09% |
| MEDCOST AMERICAN HC ALLIANCE4 | 9229 WARD PKY SUITE 300 KANSAS CITY, MO 64114 | GERBER LIFE INSURANCE COMPANY | — | $2K | $2K | 0.40% |
| HEALTH PARTNERS4 Filed as: HEALTH PARTNERS INC | PO BOX 3490 JACKSON, TN 383033490 | GERBER LIFE INSURANCE COMPANY | — | $852 | $852 | 0.20% |
| INTEGRATED SOLUTION HEALTH NET4 | 509 MEDTECH PKWY SUITE 100 JOHNSON CITY, TN 37604 | GERBER LIFE INSURANCE COMPANY | — | $496 | $496 | 0.11% |
| CENTER CARE PPO4 Filed as: CENTER CARE | PO BOX 9819 BOWLING GREEN, KY 42102 | GERBER LIFE INSURANCE COMPANY | — | $495 | $495 | 0.11% |
| MEDCOM UTILIZATION MANAGEMENT4 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | GERBER LIFE INSURANCE COMPANY | — | $412 | $412 | 0.10% |
| MISSISSIPPI MANUFACTURERS ASSOC4 Filed as: MISSISSIPPI PHYSICIAN CARE NET | PO BOX 22884 JACKSON, MS 392252884 | GERBER LIFE INSURANCE COMPANY | — | $195 | $195 | 0.05% |
| AGA INSURANCE INC3 | 1176A N KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 16.00% |
| AGA INSURANCE INC3 | 1176A N KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.99% |
| AGA INSURANCE INC3 Filed as: AGA INSURANCE INC. | 1176A NORTH KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 22.22% |
| AGA INSURANCE INC3 | 1176A N KENTICKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 16.00% |
| AGA INSURANCE INC3 Filed as: AGA INSURANCE INC. | 1176A N KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.99% |
| AGA INSURANCE INC3 | 1176 N KENTUCKY ST SUITE A KINGSTON, TN 37763 | USABLE LIFE | $267 | — | $267 | 6.47% |
| GROUP INSURANCE SERVICES INC3 | ATTN KAREN HARRIS 1 CAMERON HILL CIRCLE -2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $109 | — | $109 | 2.64% |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COFINITY INC | 386 | $13K |
| Vision | VISION SERVICE PLAN | 345 | $6K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 650 | $106K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $67K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 463 | $432K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 650 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.