| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JACKSON WARD | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $887 | $5K | 12.17% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JACKSON & WA | 3011 ARMORY DR. STE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $645 | $4K | 11.84% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JACKSON WARD | 3011 ARMORY DR, SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $393 | $83 | $476 | 12.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NA | Direct payment from the plan; Named fiduciary; Claims processing; Other services; Participant communication; Float revenue; Non-monetary compensation; Contract Administrator Service code 12 | — | $171K |
| CIGNA | Named fiduciary; Participant communication; Contract Administrator; Claims processing; Float revenue; Non-monetary compensation; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $464K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $464K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 676 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $35K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $464K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 486 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.