| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATT COWAN3 | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | — | $38K | 4.12% |
| ROBERT TIMOTHY SINKS3 Filed as: ROBERT PETREE | 565 MARRIOTT DRIVE SUITE 500 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 4.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 8 CADILAC DRIVE BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 3.88% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 1.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 19.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $320 | — | $320 | 1.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 19.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.69% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | NATIONAL VISION ADMINISTRATORS, LLC | $855 | — | $855 | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | NATIONAL VISION ADMINISTRATORS, LLC | $556 | — | $556 | 3.94% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 358 | $920K |
| Dental | DELTA DENTAL OF TENNESSEE | 298 | $114K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 148 | $14K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 50 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $42K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.