| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN GOODSON3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $90K | — | $90K | 4.07% |
| FINANCIAL PRODUCTS AND SERVICES3 Filed as: FINANCIAL PRODUCTS AND SERVICES INC | 211 ANTHENS WAY NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $3K | $25K | 23.07% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $969 | $4K | 3.52% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 6738 FLAT CREEK ROAD COTTAGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $673 | $3K | 2.36% |
| BRENDA H BRIDGES3 Filed as: BRENDA H. BRIDGES | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $159 | $2K | 1.69% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $168 | $2K | 1.65% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $72 | $2K | 1.59% |
| CARLA VINKLER3 Filed as: CARLA JEAN VINKLER | 837 POWERS BOULEVARD WAVERLY, TN 37185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| BEVERLY GATES3 | 149 DORRIS ROAD PORTLAND, TN 37148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| DEBRA RENEA CUNNINGHAM3 | 3764 CALISTA ROAD CROSS PLAINS, TN 37049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.96% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | $20 | $787 | 0.72% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFIT SERVICES LLC | 3985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $17 | $127 | 0.12% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $25 | $57 | 0.05% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $7K | $2K | $10K | 20.00% |
| GROUP INSURANCES SERVICES INC3 | 1 CAMERON HILL CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 7.33% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $2K | $622 | $2K | 20.21% |
| GROUP INSURANCES SERVICES INC3 | 1 CAMERON HILL CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 11.45% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 251 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 251 | $2.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 251 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 266 | $122K |
| Long-term disability | USABLE LIFE | 264 | $49K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 266 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.