| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | MARRIOTT DRIVE NASHVILLE, TN 37214 | CIGNA HEALTH AND LIFE INSURANCE CO | $17K | $0 | $17K | 5.20% |
| BENEFITS INC3 | 110 MATHIS DRIVE SUITE 106 DICKSON, TN 37055 | USABLE LIFE INSURANCE CO | $23K | $0 | $23K | 17.00% |
| BENEFITS INC3 | 241 BURCH ROAD CLARKSVILLE, TN 37043 | USABLE LIFE INSURANCE CO | $17K | $0 | $17K | 13.00% |
| BENEFITS INC3 | 241 BURCH ROAD CLARKSVILLE, TN 37043 | USABLE LIFE INSURANCE CO | $18K | $0 | $18K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILLS CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE INSURANCE CO | $8K | $0 | $8K | 6.53% |
| BENEFITS INC3 | 110 MATHIS DRIVE SUITE 106 DICKSON, TN 37055 | USABLE LIFE INSURANCE CO | $17K | $0 | $17K | 15.00% |
| BENEFITS INC3 | 241 BURCH ROAD CLARKSVILLE, TN 37043 | USABLE LIFE INSURANCE CO | $8K | $0 | $8K | 6.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 565 MARRIOTT DRIVE STE 500 NASHVILLE, TN 37214 | EYEMED VISION CARE | $5K | $0 | $5K | 7.63% |
| BENEFITS INC3 | P O BOX 568 DICKSON, TN 37056 | DELAWARE AMERICAN LIFE INS CO | $104 | $0 | $104 | 9.96% |
| HOME OFFICE DIRECT | 200 HOPMEADOW STREET SIMSBURY, CT 06089 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATION | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Named fiduciary; Float revenue; Participant communication; Non-monetary compensation Service code 12 | — | $514K |
| CIGNA | Float revenue; Direct payment from the plan; Participant communication; Named fiduciary; Non-monetary compensation; Other services; Contract Administrator; Claims processing 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 | 1,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 886 | $60K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE INSURANCE CO | 788 | $124K |
| Long-term disability | USABLE LIFE INSURANCE CO | 785 | $116K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 1,464 | $319K |
| Other(3 contracts, 2 carriers) | USABLE LIFE INSURANCE CO | 788 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,464 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.