| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $72K | — | $72K | 5.61% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 9.42% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $375 | — | $375 | 1.71% |
| ENHANCE MY BENEFITS.COM | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 1.66% |
| VIVIAN LEE ALLBERT | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | — | $276 | 1.26% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $246 | — | $246 | 1.12% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.37% |
| DALE GARRETT | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.22% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.19% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $700 | — | $700 | 3.86% |
| VIVIAN LEE ALLBERT | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | — | $379 | 2.09% |
| ENHANCE MY BENEFITS.COM | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 1.75% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | — | $273 | 1.50% |
| DALE GARRETT | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.46% |
| JACK GOODNER | 425 BLAIR LANE LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.46% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.16% |
| JAY T BEASLEY | 301 SEVEN SPRINGS WAY SUITE #101 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ENHANCE MY BENEFITS.COM | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $476 | — | $476 | 5.07% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | — | $419 | 4.46% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 3.66% |
| VIVIAN LEE ALLBERT | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 3.66% |
| DALE GARRETT | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.69% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.49% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.30% |
| ENHANCE MY BENEFITS.COM | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.95% |
| VIVIAN LEE ALLBERT | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.61% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.39% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.39% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| DALE GARRETT | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| KAREN L QUIGLEY | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 2.55% |
| VIVIAN LEE ALLBERT | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 1.08% |
| DALE GARRETT | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.45% |
| ENHANCE MY BENEFITS.COM | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.40% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.11% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $176K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $194K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $173K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 42 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.