| 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 | $16K | $0 | $16K | 4.95% |
| BENEFITS INC3 | 110 MATHIS DRIVE SUITE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $58K | $0 | $58K | 18.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 565 MARRIOTT DRIVE STE 500 NASHVILLE, TN 37214 | EYEMED VISION CARE | $4K | $0 | $4K | 6.39% |
| BENEFITS INC3 | P.O. BOX 568 DICKENS, TN 37056 | DELAWARE AMERICAN LIFE INSURANCE COMPANY/ METLIFE | $109 | $0 | $109 | 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 | Non-monetary compensation; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Participant communication; Direct payment from the plan Service code 12 | — | $441K |
| CIGNA | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator 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 | 1,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 906 | $60K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 792 | $310K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 792 | $311K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 1,424 | $319K |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $922 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,424 | — |
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.