| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHR BFT SVC INC | — | HM LIFE INSURANCE COMPANY | $39K | $0 | $39K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 5205 MARYLAND WAY SUITE 300 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $17K | $0 | $17K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHR BFT SVC INC | ATTN GS 5205 MARYLAND WAY, STE 300 BRENTWOOD, TN 37027 | HM LIFE INSURANCE COMPANY | $34K | $0 | $34K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $619 | $18K | 5.96% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN THOMES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $5K | $7K | 2.27% |
| CATHY M LERMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $719 | $6K | 2.20% |
| LERMAN VENTURES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $381 | $2K | 0.75% |
| ALLIANCE INSURANCE GROUP LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.75% |
| MARYLINE Z ORELLANA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.59% |
| AMY B CITRON3 Filed as: AMY C WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $309 | $1K | 0.46% |
| TANJA DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $34 | $1K | 0.42% |
| MICHAEL A DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $105 | $1K | 0.34% |
| WESLEY ALLEN HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | $405 | $988 | 0.34% |
| JAMES ADAM FULLER3 | 1208 SPRUCE SPRINGS COURT NOLENSVILLE, TN 37135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | $54 | $797 | 0.27% |
| WILLIAM KYZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $694 | $26 | $720 | 0.24% |
| HANNAH BRASELTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | — | $603 | 0.20% |
| LALETTA SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $30 | $504 | 0.17% |
| DEBBIE R CUNNINGHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $21 | $385 | 0.13% |
| THOMAS JASON HICKS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $16 | $282 | 0.10% |
| KRISTIAN JERMAINE STALLWORTH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $0 | $258 | 0.09% |
| ELIZABETH NICOLE ANDREE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $21 | $231 | 0.08% |
| MELISSA MARGARET SCHMITTOU3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $0 | $226 | 0.08% |
| BART GAUNT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $41 | $190 | 0.06% |
| TODD BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 0.06% |
| LISA R GRAVES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $15 | $173 | 0.06% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE ATLAS NORIEGA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $15 | $170 | 0.06% |
| HUBER RICHARD BLAINE3 Filed as: HUBER AND ASSOCIATES LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $0 | $159 | 0.05% |
| BENEFIT ENROLLMENT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.05% |
| STACIA ROBINSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $4 | $148 | 0.05% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE &V ASSOCIATES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $57 | $129 | 0.04% |
| ANTHONY FURLOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.03% |
| KAITH TOBIAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES RILEY KNIGHT JR | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.02% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH KROEKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $6 | $62 | 0.02% |
| KRISTIE A LEATHERS3 Filed as: KRISTIE JANNEN HAMMONDS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.02% |
| JEFFEREY C LYNCH3 Filed as: JEFFEREY ANDREWS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.02% |
| MARY DUFF3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $13 | $36 | 0.01% |
| POPLAR INSURANCE AGENCY INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $33 | $36 | 0.01% |
| VICTORIA L FLYNN3 Filed as: VICTORIA LFLYNN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM B FARR | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.01% |
| DONNA N WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.01% |
| POPLAR INSURANCE AGENCY INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| DEBORAH N MEACHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| GREG GRIFFITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $4 | $18 | 0.01% |
| RACHAL HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM W DRAPER LII | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| CRICHTON BRANDON JACKSON3 Filed as: CRICHTON, BRANDON, JACKSON & | WARD INC PO BOX 306015 NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.00% |
| POPLAR INSURANCE AGENCY INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $10 | $13 | 0.00% |
| EMILY COPELAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.00% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| JOSEPH M TAMER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| DABBIE PERKINS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| J AUSTIN BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| VICKIE E LEWIS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| JOHN E CUMMINGS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| KEEGAN SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| KAREN SAUL3 | 5205 MARYLAND WAY STE 300 BRENTWOOD, TN 37027 | NASHVILLE WIRE PRODUCTS | $0 | $22K | $22K | 7.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $23K | 15.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $1K | $21K | 16.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALAGHER BENEFIT SERVICES, INC. | 5205 MARYLAND WAY SUITE 300 BRENTWOOD, TN 370271009 | VISION SERVICE PLAN | $7K | $0 | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $28 | $1K | 4.37% |
| CATHY M LERMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | $43 | $438 | 1.76% |
| AMY B CITRON3 Filed as: AMY C WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $39 | $170 | 0.68% |
| LERMAN VENTURES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $20 | $147 | 0.59% |
| WESLEY ALLEN HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $48 | $129 | 0.52% |
| THOMAS JASON HICKS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $6 | $101 | 0.41% |
| ALLIANCE INSURANCE GROUP LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.35% |
| HANNAH BRASELTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.32% |
| TODD BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.24% |
| JOHN THOMAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $43 | $53 | 0.21% |
| WILLIAM KYZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 0.18% |
| DEBBIE R CUNNINGHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $3 | $45 | 0.18% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON,BRANDON,JACKSON&WARD INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.11% |
| MICHAEL A DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 0.08% |
| LALETTA SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.08% |
| TANJA DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.07% |
| MARYLINE Z ORELLANA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.07% |
| EMILY COPELAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.06% |
| STACIA ROBINSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.06% |
| MELLISA A SCHOFIELD3 Filed as: MELLISA MARGARET SCHMITTOU | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE &ASSOCIATES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.05% |
| ANTHONY FURLOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.04% |
| DEBBIE PERKINS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.04% |
| KRISTIE JANEEN HAMMONDS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| HUBER RICHARD BLAINE3 Filed as: HUBER AND ASSOCIATES LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| VICKIE E LEWIS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.02% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ADAM FILLER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.02% |
| KEITH TOBIAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| DONNA N WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| VICRORIA L FLYNN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| GREG GRIFFITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| JERILYN H HIPPLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHAR BENEFITS SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $25 | $1K | 5.34% |
| CATHY M LERMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $24 | $283 | 1.47% |
| LERMAN VENTURES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $16 | $134 | 0.69% |
| BART GAUNT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $20 | $92 | 0.48% |
| AMY B CITRON3 Filed as: AMY C WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $20 | $88 | 0.46% |
| MARYLINE Z ORELLANA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.35% |
| JOHN THOMAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $47 | $58 | 0.30% |
| MICHAEL A DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.26% |
| DEBBIE R CUNNINGHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $3 | $48 | 0.25% |
| WESLEY ALLEN HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $13 | $42 | 0.22% |
| HANNAH BRASELTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.20% |
| WILLIAM KYZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.17% |
| JAMES ADAM FULLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.14% |
| TODD BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| MELISSA MARGARET SCHMITTOU3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| KRISTIE JANEEN HAMMONDS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| VICTORIA L FLYNN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.05% |
| DONNA N WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| KEITH TOBIAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ANTHONY FURLOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| STEPHANIE L HERRING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| J AUSTIN BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $135 | $2K | 16.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $279K |
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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,109 | $350K |
| Vision | VISION SERVICE PLAN | 540 | $70K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 781 | $485K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 695 | $134K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 630 | $728K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 781 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.