| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 | PO BOX 670 RICHLANDS, VA 24641 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 15.00% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DRIVE KNOXVILE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTN MIDWEST LTD & OTHER AGENTS | UNKNOWN NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | PO BOX 670 RICHLANDS, VA 24641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.74% |
| TAD BENEFITS LLC3 Filed as: TAD BENEFITS, LLC | 501 UNION STREET NASHVILLE, TN 37219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $0 | $588 | 0.94% |
| BENEFOUNDRY INC3 Filed as: BENEFOUNDRY, INC. | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $132 | $549 | 0.88% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $0 | $470 | 0.75% |
| SHARON MAY LINDSAY3 | 724 WILDFLOWER LANE CHATTANOOGA, TN 37419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $0 | $398 | 0.64% |
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 | 282 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $253K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 78 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $253K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.