| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHR BFT SVC INC | 5205 MARYLAND WAY STE 300 BRENTWOOD, TN 37027 | HM LIFE INSURANCE COMPANY | $39K | — | $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: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $2K | $32K | 16.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $2K | $31K | 16.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALAGHER BENEFIT SERVICES, INC. | 5205 MARYLAND WAY SUITE 300 BRENTWOOD, TN 370271009 | VISION SERVICE PLAN | $7K | — | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SCVC INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SCVC INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $36 | $2K | 5.57% |
| CATHY M LERMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | $26 | $653 | 2.12% |
| MARYLINE Z ORELLANA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $214 | $341 | 1.11% |
| JOHN THOMAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $229 | $318 | 1.03% |
| LERMAN VENTURES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $12 | $231 | 0.75% |
| ALLIANCE INSURANCE GROUP LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.50% |
| MICHAEL A DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $4 | $107 | 0.35% |
| TANJA DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.28% |
| WILLIAM KYZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $1 | $81 | 0.26% |
| AMY B CITRON3 Filed as: AMY C WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.25% |
| JAMES ADAM FULLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.24% |
| WESLEY ALLEN HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.16% |
| HANNAH BRASELTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.12% |
| LALETTA SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $3 | $35 | 0.11% |
| TODD BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| DEBBIE R CUNNINGHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 0.08% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $11 | $24 | 0.08% |
| BENEFIT ENROLLMENT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| ELIZABETH NICOLE ANDREE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE ATLAS NORIEGA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| THOMAS JASON HICKS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.04% |
| STACIA ROBINSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.04% |
| KEITH TOBIAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| ANTHONY FURLOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| D'ARCIPRETE & ASSOCIATES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.03% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| KRISTIE JANEEN HAMMONDS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| VICTORIA L FLYNN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| POPLAR INSURANCE AGENCY INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEBORAH N MEACHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM W DRAPER LII | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM B FARR | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH M TAMER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GREG GRIFFITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN E CUMMINGS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| J AUSTIN BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| KEEGAN SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $204 | $3K | 16.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $2 | $136 | 4.84% |
| CATHY M LERMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $1 | $47 | 1.67% |
| LERMAN VENTURES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.64% |
| AMY B CITRON3 Filed as: AMY C WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.53% |
| TODD BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.36% |
| WESLEY ALLEN HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.32% |
| HANNAH BRASELTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.25% |
| WILLIAM KYZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.21% |
| DEBBIE R CUNNINGHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.14% |
| MICHAEL A DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.14% |
| ALLIANCE INSURANCE GROUP LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.14% |
| JOHN THOMAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.11% |
| MARYLINE Z ORELLANA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.11% |
| LALETTA SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| KEITH TOBIAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| ANTHONY FURLOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| KRISTIE JANEEN HAMMONDS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| STACIA ROBINSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| TANJA DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JERILYN H HIPPLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| VICTORIA L FLYNN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JAMES ADAM FULLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| D'ARCIPRETE & ASSOCIATES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SCVC INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $229 | — | $229 | 12.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHAR BENEFITS SERVICES INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $2 | $123 | 9.82% |
| CATHY M LERMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 2.79% |
| LERMAN VENTURES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 1.36% |
| MARYLINE Z ORELLANA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $10 | $16 | 1.28% |
| BART GAUNT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.96% |
| MICHAEL A DUARTE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.56% |
| AMY B CITRON3 Filed as: AMY C WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.48% |
| WILLIAM KYZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.40% |
| WESLEY ALLEN HUDNALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.32% |
| JAMES ADAM FULLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.32% |
| HANNAH BRASELTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.32% |
| KRISTIE JANEEN HAMMONDS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.16% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.08% |
| VICTORIA L FLYNN3 Filed as: VICTORIA L FLYNN37027 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.08% |
| TODD BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.08% |
| KEITH TOBIAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANTHONY FURLOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| STEPHANIE L HERRING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| J AUSTIN BAKER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $302K |
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 | 631 | 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) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,145 | $339K |
| Vision | VISION SERVICE PLAN | 562 | $74K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $237K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 700 | $189K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 636 | $393K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 832 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,145 | — |
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.