| 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 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $16K | — | $16K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC | 140 FOUNTAIN PARKWAY NORTH SUITE 600 ST PETERSBURG, FL 33716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 8.73% |
| JAMIE M HUTTON3 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.10% |
| JAIME HUTTON3 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.53% |
| JORDAN S SMITH3 Filed as: JORDAN SHIELDS SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.47% |
| PETER JOHN REGINELLI3 Filed as: PETER J REGINELLI JR | 131 STREAM VALLEY BOULEVARD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 0.60% |
| JAMES E WOOD3 Filed as: JAMES WOOD | 123 SPRINGFIELD DRIVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $414 | — | $414 | 0.34% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | — | $331 | 0.27% |
| ANASTASIA MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.09% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.06% |
| JORDAN S SMITH3 Filed as: JORDAN SHIELDS SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.04% |
| DANIEL MCCHURCH3 | 419 BLAIR LANE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DRIVE ARRINGTON, TN 37014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIRCLE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 10.00% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 375 | $163K |
| Vision | DELTA DENTAL OF TENNESSEE | 366 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 309 | $277K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 309 | $277K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 309 | $277K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 309 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.