| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $86K | — | $86K | 5.40% |
| BENEFITS INC KEVIN SMITH3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| BENEFITS INC KEVIN SMITH3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BENEFITS INC KEVIN SMITH3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BENEFITS INC KEVIN SMITH3 | PO BOX 568 DICKSON, TN 37056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ENHANCE MY BENEFITS.COM Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | — | $191 | 1.56% |
| WALSH INSURANCE GROUP LLC | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 1.38% |
| KAREN L QUIGLEY Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 1.33% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.97% |
| MATTHEW 5 16 LLC | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.74% |
| DALE GARRETT | 7940 WATER PLANT RD BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.20% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.14% |
| ENHANCE MY BENEFITS.COM Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $343 | — | $343 | 4.33% |
| WALSH INSURANCE GROUP LLC Filed as: WALSH INSURANCE GROUP | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | — | $243 | 3.07% |
| KAREN L QUIGLEY Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $215 | — | $215 | 2.71% |
| MATTHEW 5 16 LLC | 716 LILY FLAGG RD SE HUNSTVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $200 | — | $200 | 2.52% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 2.51% |
| DALE GARRETT | 7940 WATER PLANT RD BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.42% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY CT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.24% |
| KAREN L QUIGLEY Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNSTVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 3.05% |
| WALSH INSURANCE GROUP LLC | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 1.77% |
| ENHANCE MY BENEFITS.COM Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 1.42% |
| MATTHEW 5 16 LLC | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.79% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.51% |
| DALE GARRETT | 7940 WATER PLANT RD BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.38% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY CT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| AHL-ALLSTATE Filed as: AHL- ALLSTATE | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOSEPH FENNELL | 957 SUGAR FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $546 | — | $546 | 9.89% |
| WALSH INSURANCE GROUP LLC | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $449 | — | $449 | 8.14% |
| ENHANCE MY BENEFITS.COM Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNSTVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 7.85% |
| MATTHEW 5 16 LLC | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $392 | — | $392 | 7.10% |
| KAREN L QUIGLEY Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNSTVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.38% |
| DALE GARRETT | 7940 WATER PLANT RD BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT STE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ENHANCE MY BENEFITS.COM Filed as: ENHANCE MY BENEFITS | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.81% |
| WALSH INSURANCE GROUP LLC | 4096 CAROTHERS PKWY STE 8 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.58% |
| KAREN L QUIGLEY Filed as: KAREN QUIGLEY | 716 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.58% |
| JOSEPH FENNELL Filed as: JOSEPH FENNEL | 957 SUGA FLAT RD LEBANON, TN 37087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.35% |
| DALE GARRETT | 7940 WATER PLANT RD BAXTER, TN 38544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.12% |
| DAVID MICHAEL CAPOZZI | 321 BILLINGSLEY COURT SUITE 22 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.12% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $1.6M |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $118K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $88K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.