| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 370275288 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.00% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS INC. | 7003 CHADWICK RD STE 110 BRENTWOOD, TN 37027 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.00% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPNAY OF AMERICA | $4K | — | $4K | 11.66% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | 7003 CHADWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4K | — | $4K | 20.83% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $515 | $269 | $784 | 4.07% |
| CHERYL E GREEN3 Filed as: CHERYL GREEN | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $724 | — | $724 | 3.76% |
| WILLIAM RICHARD KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $20 | — | $20 | 0.10% |
| CHARLES A ANDREWS3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $13 | — | $13 | 0.07% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | — | $10 | 0.05% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.04% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | — | $4 | 0.02% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.01% |
| CHERYL E GREEN3 | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 51.62% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 100 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $593 | — | $593 | 8.64% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $994 | — | $994 | 15.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 80 | $643K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 154 | $45K |
| Vision | VISION SERVICE PLAN | 68 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 124 | $54K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 124 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 124 | $36K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.