| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $79K | — | $79K | 5.58% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $15K | $32K | 17.66% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $381 | — | $381 | 2.21% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233 | — | $233 | 1.35% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 1.13% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.43% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.21% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.18% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $613 | — | $613 | 4.31% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | — | $256 | 1.80% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 0.87% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.46% |
| JAY T BEASLEY3 | 301 SEVEN SPRINGS WAY SUITE #101 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.15% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.14% |
| JACK GOODNER3 | 425 BLAIR LANE LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $449 | — | $449 | 6.22% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 3.25% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 2.71% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.73% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.47% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.14% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 5.02% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 4.11% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 2.59% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.39% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.83% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.65% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.55% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.37% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.09% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.09% |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $187K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $201K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $184K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 35 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.