| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $118K | $118K | 3.93% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $40K | — | $40K | 13.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $26K | — | $26K | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $3K | — | $3K | 10.00% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 4.41% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 2.40% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 1.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.11% |
| LISA JENNETTE UNDERHILL3 | 1296 RED OAK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.40% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $3.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 686 | $261K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 370 | $33K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 403 | $309K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 403 | $309K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 403 | $309K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 403 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.