| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | HUMANA INSURANCE COMPANY | $155K | — | $155K | 5.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIAL TO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC | 6 CADILAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 5.52% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.88% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| DANIEL MCCHURCH3 | 419 BLAIR LANE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.88% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $744 | — | $744 | 0.59% |
| JAMES E WOOD3 | 123 SPRINGFIELD DRIVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $649 | — | $649 | 0.51% |
| STEVEN ANDREW MODLIN3 Filed as: STEVEN A MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $644 | — | $644 | 0.51% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | — | $333 | 0.26% |
| ANASTASIA MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.13% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROA HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ETHAN GREER3 | 543 ALSTON DRIVE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$126 | — | -$126 | -0.10% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 268 | $2.6M |
| Dental | HUMANA INSURANCE COMPANY | 268 | $2.6M |
| Vision | HUMANA INSURANCE COMPANY | 268 | $2.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 343 | $226K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 343 | $226K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 343 | $226K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 343 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.