| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $92K | $92K | 5.00% |
| FINANCIAL PRODUCTS AND SERVICES3 | 211 ATHENS WAY NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 11.87% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $327 | $3K | 1.68% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 0.78% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $950 | $212 | $1K | 0.75% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $36 | $940 | 0.60% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | — | $875 | 0.56% |
| DEBBIE RENEA CUNNINGHAM3 | 3764 CALISTA ROAD CROSS PLAINS, TN 37049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.15% |
| CLEM BERNSTEIN3 | 700 3RD AVENUE SOUTH APARTMENT 409 NASHVILE, TN 37210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 0.14% |
| BRANDI TAFT3 | 6413 PREMIER DRIVE NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.11% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.10% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.05% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| BEVERLY GATES3 | 149 DORRIS ROAD PORTLAND, TN 37148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.87% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $5K | $1K | $6K | 18.82% |
| GROUP INSURANCES SERVICES INC3 | 1 CAMERON HILL CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 8.04% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $2K | $322 | $2K | 18.33% |
| GROUP INSURANCES SERVICES INC3 | 1 CAMERON HILL CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 12.44% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $136K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $136K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 214 | $166K |
| Long-term disability | USABLE LIFE | 188 | $34K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 214 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.