| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHMART USA3 | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | — | $70K | 12.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 4.00% |
| CRAIG GOODMAN LAWRENCE3 | 1902 TURNING WHEEL LANE SUITE 270 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 2.55% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 ST ANDREWS COURT CLARKSVILLE, TN 37043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | — | $61K | 14.30% |
| HEALTHMART USA3 | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 5.87% |
| CRAIG GOODMAN LAWRENCE3 | 1902 TURNING WHEEL LANE FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.16% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 ST ANDREWS COURT CLARKSVILLE, TN 37043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 6.83% |
| GREGG B. LAWRENCE3 Filed as: GREGG BRUCE LAWRENCE | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 3.17% |
| GREGG B. LAWRENCE3 Filed as: GREGG B LAWRENCE | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $5K | — | $5K | 11.29% |
| CRAIG LAWRENCE3 | HEALTHMART USA FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3K | — | $3K | 7.36% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $553 | $46 | $599 | 1.37% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $58 | $15 | $73 | 0.17% |
| LYNN MARIE BARRY3 | PO BOX 1287 LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $19 | $20 | $39 | 0.09% |
| GREGG B. LAWRENCE3 Filed as: GREGG BRUCE LAWRENCE | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 7.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERITAS LIFE INSURANCE CORP. | $544 | — | $544 | 2.67% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 167 | $82K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 167 | $82K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $580K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $960K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $960K |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.