| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $49K | — | $49K | 15.86% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | DEARBORN LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-SOUTH | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 14.92% |
| LORI R GRIZZELL3 | 1069 S HEWITT ROAD BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 11.98% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 10.55% |
| STEVEN BREWER3 | 715 PINE RIDGE ROAD LEXINGTON, TN 38351 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.54% |
| CHARLES HARTHUN3 | 10396 SOUTHWEST 65TH TERRACE OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| LARRY J POLK3 | 194 EASTWIND PLACE BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | — | $511 | 0.71% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 0.41% |
| ANGELA K DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 0.36% |
| GERALD J DAVIS3 | 11260 CHESTER ROAD SUITE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.22% |
| CODY B WHITEHEAD3 | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.21% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.17% |
| MEGHAN FITCH3 | 45 BETTFIELD DRIVE JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.10% |
| NATHAN JONES3 | 216 SOUTH PASTURE LANE MUNCHIE, IN 47304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.09% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.08% |
| PRENTISS L BALLARD3 | 322 ARLINGTON AVENUE JACKSON, TN 38301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| MILTON E WUERTZ3 | 1017 BELMONT DRIVE DICKSON, TN 37055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L JONES | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| DORA DASILVA3 Filed as: DORA R DA SILVA | 7906 PLAYERS FOREST MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| DENNIS S HARTIN3 | 14508 MARASOL MANOR COURT TAMPA, FL 33626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| STEVEN D HILL3 | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MICHAEL P JONES3 | 4235 MARSH LANDING BOULEVARD 521 JACKSONVILLE BEAC, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | PO BOX 291029 NASHVILLE, TN 37229 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
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 | 932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 686 | $34K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 913 | $163K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $74K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 913 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.