| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN MADISON3 Filed as: AUSTIN L MADISON | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $35K | $0 | $35K | 5.29% |
| DOUGLAS ALLEN FREEMAN3 | 1064 LOCK 4 ROAD GALLATIN, TN 37066 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 0.46% |
| JOSEPH LACHER3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 0.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $60 | $436 | 7.40% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $60 | $201 | 3.41% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DRIVE KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $35 | $156 | 2.65% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 2.21% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $15 | $66 | 1.12% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.63% |
| SHEILA A SHELL3 Filed as: SHEILA A SHELL AND OTHER AGENTS | 413 MOSS TRL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.49% |
| LISA JENNETTE UNDERHILL3 | 1296 RED OAK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| SHEILA A SHELL3 | 413 MOSS TRL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 195 | $669K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 195 | $669K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 195 | $669K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $27K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $6K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 195 | $669K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
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.