| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 20.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $932 | $932 | 0.26% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $590 | $590 | 0.24% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | — | $55K | 41.53% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 27.54% |
| ERIC JAMES TAYLOR3 | 1214 POMMEL CT SPRINGFIELD, TN 37172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| DAVID L. DRUMMOND3 Filed as: DAVID T. JOHNSON | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $11K | — | $11K | 9.81% |
| TIMOTHY H HERNDON3 Filed as: TIMOTHY H. HERNDON | 2491 N. MT. JULIET MOUNT JULIET, TN 37121 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $684 | — | $684 | 0.61% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $230 | $230 | 0.26% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 17.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $118 | $118 | 0.27% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 222 2ND AVE S STE 1700 NASHVILLE, TN 37201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $64 | $64 | 0.26% |
| DAVID L. DRUMMOND3 Filed as: DAVID T. JOHNSON | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $275K | $275K | — |
| TIMOTHY H HERNDON3 Filed as: TIMOTHY H. HERNDERSON | 2491 N. MT. JULIET RD MOUNT JULIET, TN 37121 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $36K | $36K | — |
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 | 1,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,286 | $0 |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,286 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 1,089 | $113K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,726 | $288K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 593 | $359K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,454 | $89K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,200 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,286 | — |
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.
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.