| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY H HERNDON3 Filed as: TIMOTHY H. HERNDON | 2491 N. MT. JULIET RD MOUNT JULIET, TN 37121 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $305K | — | $305K | 8.71% |
| TIMOTHY H HERNDON3 Filed as: TIMOTHY H. HERNDON | 2491 N. MT. JULIET MOUNT JULIET, TN 37121 | BLUERE OF TENNESSEE | $10K | — | $10K | 2.29% |
| P3 INSURANCE BROKERS LLC3 | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 17.44% |
| NICOLE GOLDEN3 Filed as: NICOLE DANIELLE GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 13.94% |
| TIMOTHY H HERNDON3 | 2479 MURFREESBORO RD #318 NASHVILLE, TN 37217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | — | $54K | 17.80% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.20% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $931 | $931 | 0.31% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44K | — | $44K | 15.57% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 8.23% |
| ERIC JAMES TAYLOR3 | 1214 POMMEL CT SPRINGFIELD, TN 37172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| NICOLE GOLDEN3 Filed as: NICOLE DANIELLE GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TIMOTHY H HERNDON3 | 2479 MURFREESBORO RD #318 NASHVILLE, TN 37217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 13.35% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| TIMOTHY H HERNDON3 | 2479 MURFREESBORO RD #318 NASHVILLE, TN 37217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.44% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $232 | $232 | 0.30% |
| TIMOTHY H HERNDON3 | 2479 MURFREESBORO RD #318 NASHVILLE, TN 37217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.20% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $667 | — | $667 | 1.80% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $119 | $119 | 0.32% |
| TIMOTHY H HERNDON3 | 2479 MURFREESBORO RD #318 NASHVILLE, TN 37217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.37% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $346 | — | $346 | 1.63% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $65 | $65 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUERE OF TENNESSEE EIN 62-0427913 CARRIER | Contract Administrator Service code 13 | — | $177K |
| TIMOTHY H HERNDON BROKER | Insurance agents and brokers Service code 22 | 2491 N. MT JULIET RD MOUNT JULIET, TN 37121 | $15K |
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 | 1,747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,402 | $3.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,402 | $3.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,402 | $3.5M |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,747 | $593K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,747 | $656K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,747 | $430K |
| Other(5 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,747 | $898K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,402 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.