| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD GIRDLER3 Filed as: RICHARD R GIRDLER | 6640 CAROTHERS PKWY STE 160 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22K | — | $22K | 3.30% |
| RYAN ROTHROCK3 Filed as: RYAN P ROTHROCK | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 1.15% |
| IGAEB, LLC3 Filed as: IGAEB LLC | 6640 CAROTHERS PKWY STE 160 FRANKLIN, TN 37067 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 9.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SVS INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 5.35% |
| IGAEB, LLC3 | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $44 | $2K | 4.08% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 24.85% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 9.35% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 9.35% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 142 | $654K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $44K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $44K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $58K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $58K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $58K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.