| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $66K | — | $66K | 5.08% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN MEMORIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ALTERNATIVE SOLUTIONS OF TN INC3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $484 | — | $484 | 3.02% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $274 | — | $274 | 1.71% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $274 | — | $274 | 1.71% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT ROAD LEBANON, TN 37807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.55% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.49% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.41% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.31% |
| ALTERNATIVE SOLUTIONS OF TN INC3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $671 | — | $671 | 5.24% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 2.35% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 1.01% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.61% |
| JACK GOODNER | 425 BLAIR LANE LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.50% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.25% |
| JAY T BEASLEY3 | 301 SEVEN SPRINGS WAY SUITE #101 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.16% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT ROAD LEBANON, TN 37807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ALTERNATIVE SOLUTIONS OF TN INC3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $563 | — | $563 | 8.74% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | — | $284 | 4.41% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 4.22% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 1.02% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.85% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT ROAD LEBANON, TN 37807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.57% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.42% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 3.23% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 2.26% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT ROAD LEBANON, TN 37807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.65% |
| ALTERNATIVE SOLUTIONS OF TN INC3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.50% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.45% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.15% |
| ALTERNATIVE SOLUTIONS OF TN INC3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 4.66% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 2.06% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.99% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.61% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.31% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 307 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 307 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 307 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $34K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $49K |
| Long-term disability | THE LINCOLN MEMORIAL LIFE INSURANCE COMPANY | 152 | $75K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.