| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $6K | $9K | 3.60% |
| DONALD HURWITZ3 | 1600 DIVISION ST STE 400 NAHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 7.86% |
| RYAN ROTHROCK3 | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | — | $7K | $7K | 7.41% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $2K | $4K | $6K | 9.51% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $5K | $8 | $5K | 7.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | AFLAC | $2K | — | $2K | 3.71% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | AFLAC | $2K | $2 | $2K | 2.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $628 | — | $628 | 1.01% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST AND ASSOCIATES | 4205 HILLSBORO PIKE STE 120 NASHVILLE, TN 37215 | AFLAC | $498 | — | $498 | 0.80% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $215 | — | $215 | 0.35% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 255 | $100K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 255 | $100K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 171 | $122K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $122K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $122K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $264K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 171 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.