| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRUDENT STREET FINANCIAL ADVISORS3 | 310 SEWARD ROAD BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF TN. INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 22.09% |
| PRUDENT STREET FINANCIAL ADVISORS3 | 310 SEWARD ROAD BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF TN. INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.68% |
| PRUDENT STREET FINANCIAL ADVISORS3 | 310 SEWARD ROAD BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF TN. INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| PRUDENT STREET FINANCIAL ADVISORS3 Filed as: PRUDENT STREET FINANACIAL | 104 CONTINENTAL PL STE 100 BRENTWOOD, TN 370271055 | VISION SERVICE PLAN | $1K | — | $1K | 9.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF TN. INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | VISION SERVICE PLAN | $393 | — | $393 | 2.41% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $75 | — | $75 | 0.46% |
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 | 155 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 132 | $385K |
| Dental | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 132 | $385K |
| Vision | VISION SERVICE PLAN | 111 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 191 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 70 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 191 | $34K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 132 | $385K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.