| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $64K | $64K | 5.00% |
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $15K | — | $15K | 13.76% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $590 | — | $590 | 3.33% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $458 | — | $458 | 2.59% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | — | $236 | 1.33% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.32% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.18% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.15% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $580 | — | $580 | 4.27% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $246 | — | $246 | 1.81% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 1.73% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.43% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| JAY T BEASLEY3 | 5550 FRANKLIN PIKE SUITE 103 NASHVILLE, TN 37220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $774 | — | $774 | 8.38% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $324 | — | $324 | 3.51% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | — | $298 | 3.23% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | — | $296 | 3.21% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.55% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.35% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | — | $221 | 11.16% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 9.74% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 6.16% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.30% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.87% |
| KAREN L QUIGLEY3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.67% |
| VIVIAN LEE ALLBERT3 | 4096 CAROTHERS FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.58% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.29% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.10% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.10% |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 308 | $108K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 308 | $108K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8 | $3K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 51 | $18K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 32 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.