| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULTANTS INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE CO | $26K | — | $26K | 3.59% |
| BENEFITS CONSULTANTS INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.00% |
| BENEFITS CONSULTANTS INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM | $4K | — | $4K | 12.42% |
| CHERYL E GREEN Filed as: CHERYL GREEN | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | — | $1K | 10.69% |
| JEFFREY C. LYNCH Filed as: JEFFREY ANDREWS | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $474 | — | $474 | 5.02% |
| MICHAEL A DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $102 | — | $102 | 1.08% |
| WILLIAM KYZER | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $21 | — | $21 | 0.22% |
| CHARLES A ANDREWS | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $13 | — | $13 | 0.14% |
| DON FENNELL | 1340 MARSH HARBOR DR JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $11 | — | $11 | 0.12% |
| DEMOS GINAKES | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $9 | — | $9 | 0.10% |
| MARK HOLLAND | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | — | $4 | 0.04% |
| STEVE HOLLEMAN | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.02% |
| BENEFITS CONSULTANTS INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM | $988 | — | $988 | 15.01% |
| BENEFITS CONSULTANTS INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $556 | — | $556 | 9.07% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE CO | 97 | $724K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 176 | $45K |
| Vision | VISION SERVICE PLAN | 65 | $6K |
| Life insurance(2 contracts) | UNUM | 121 | $49K |
| Short-term disability(2 contracts) | UNUM | 121 | $49K |
| Long-term disability | UNUM | 121 | $34K |
| Other | UNUM | 20 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
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.