| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 3.47% |
| BENEFITS INC3 | 110 MATHIS DRIVE DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $2K | $21K | 10.39% |
| TIMOTHY WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $9K | — | $9K | 7.97% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | LINCOLN FINANCIAL GROUP | $6K | — | $6K | 15.00% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 15.00% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 15.00% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 15.00% |
| KAREN L QUIGLEY3 Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $305 | — | $305 | 1.87% |
| ENHANCE MY BENEFITS.COM3 Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 1.46% |
| WALSH INSURANCE GROUP LLC3 | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 1.18% |
| JOSEPH FENNELL3 Filed as: JOSEPH FENNEL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.50% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.18% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.15% |
| KAREN L QUIGLEY3 Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $448 | — | $448 | 3.89% |
| WALSH INSURANCE GROUP LLC3 | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 1.68% |
| ENHANCE MY BENEFITS.COM3 Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 1.24% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.41% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.16% |
| JOSEPH FENNELL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| AHL-ALLSTATE Filed as: AHL - ALLSTATE | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| KAREN L QUIGLEY3 Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $469 | — | $469 | 5.08% |
| ENHANCE MY BENEFITS.COM3 Filed as: ENHANCE MY BENEFITS | LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $385 | — | $385 | 4.17% |
| WALSH INSURANCE GROUP LLC3 | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 2.58% |
| JOSEPH FENNELL3 Filed as: JOSEPH FENNEL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 1.03% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.51% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT STE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.30% |
| JOSEPH FENNELL3 Filed as: JOSEPH FENNEL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $615 | — | $615 | 14.77% |
| WALSH INSURANCE GROUP LLC3 | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $521 | — | $521 | 12.52% |
| ENHANCE MY BENEFITS.COM3 Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $504 | — | $504 | 12.11% |
| KAREN L QUIGLEY3 Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | — | $480 | 11.53% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| DAVID MICHAEL CAPOZZI3 | 321 BILLINGSLEY COURT STE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| ENHANCE MY BENEFITS.COM3 Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 1.63% |
| WALSH INSURANCE GROUP LLC3 | 4096 CAROTHERS PKWY HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.25% |
| KAREN L QUIGLEY3 Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.25% |
| JOSPEH FENNEL3 | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.58% |
| DALE GARRETT3 | PO BOX 208 BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.29% |
| DAVID MICHAEL CAPOZZI3 Filed as: DAVID MICHAEL CAPPOZI | 321 BILLINGSLEY COURT STE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.29% |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 305 | $112K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 305 | $112K |
| Life insurance(5 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $248K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $236K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $242K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.