| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGG B. LAWRENCE3 Filed as: GREGG LAWRENCE | 4100 CLOVER MEADOWS DR. FRANKLIN, TN 37067 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.04% |
| CRAIG A. O'SHONEY3 | 4760 ST. ANDREW COURT CLARKSVILLE, TN 370437225 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.71% |
| GREGG B. LAWRENCE3 | 4100 CLOVER MEADOWS DR. FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3K | — | $3K | 14.80% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE RD. NASHVILLE, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $1 | $2K | 10.12% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $345 | $100 | $445 | 1.99% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $981K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 43 | $22K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 43 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.