| 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 | — | $95K | $95K | 5.00% |
| FINANCIAL PRODUCTS AND SERVICES3 Filed as: FINANCIAL PRODUCTS AND SERVICES INC | 211 ATHENS WAY NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $540 | $43K | 23.28% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 4.37% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 3.52% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 1.99% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $150 | $3K | 1.77% |
| CLEM BERNSTEIN3 | 3935 ANDREW JACKSON WAY HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $124 | $2K | 0.85% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $86 | $1K | 0.77% |
| DEBBIE RENEA CUNNINGHAM3 | 3764 CALISTA ROAD CROSS PLAINS, TN 37049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $599 | $528 | $1K | 0.60% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $783 | $12 | $795 | 0.43% |
| BEVERLY GATES3 | 149 DORRIS ROAD PORTLAND, TN 37148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | — | $532 | 0.28% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $385 | — | $385 | 0.21% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $2 | $197 | 0.11% |
| CARLA VINKLER3 Filed as: CARLA JEAN VINKLER | 837 POWERS BOULEVARD WAVERLY, TN 37185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.10% |
| JAMES A SHARP3 | 1021 TULIP BLOSSON DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $2 | $173 | 0.09% |
| KELLE DAGGETT PERRY3 | 797 OLD CC ROAD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.00% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 9.87% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $7K | — | $7K | 15.00% |
| GROUP INSURANCES SERVICES INC3 | 1 CAMERON HILL CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 7.49% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $2K | — | $2K | 15.00% |
| GROUP INSURANCES SERVICES INC3 | 1 CAMERON HILL CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 11.76% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $161K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $161K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 247 | $198K |
| Long-term disability | USABLE LIFE | 231 | $44K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 550 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.