| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $63K | $0 | $63K | 16.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $5K | $5K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $33 | $1K | 3.42% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $111 | $1K | 2.81% |
| MARILYNN DECKER3 Filed as: MARILYNN DECKER AND OTHER AGENTS | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $910 | $104 | $1K | 2.51% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC. | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $744 | $0 | $744 | 1.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $551 | $0 | $551 | 1.37% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $476 | $42 | $518 | 1.28% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $261 | $0 | $261 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 10.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $262 | $262 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $41 | $41 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $394 | $12 | $406 | 2.44% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $42 | $387 | 2.32% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC. | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $318 | $0 | $318 | 1.91% |
| LYNN MARIE BARRY3 Filed as: LYNN MARIE BARRY AND OTHER AGENTS | PO BOX 1287 LANGHORNE, PA 19047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $248 | $34 | $282 | 1.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $0 | $245 | 1.47% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 1.02% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.68% |
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 | 471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 329 | $65K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 471 | $389K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 471 | $389K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 471 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.