| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | PRINCIPAL LIFE INSURANCE COMPANY | $281K | — | $281K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | SYMETRA FINANCIAL | $76K | — | $76K | 12.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA FINANCIAL | — | $24K | $24K | 3.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC | 3343 PERIMETER HILL DRIVE SUITE 214 NASHVILLE, TN 37211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $141K | $4K | $145K | 25.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOT DRIVE SUITE 500 NASHVILLE, TN 37214 | HUMANADENTAL INSURANCE COMPANY | $20K | $6K | $26K | 9.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 3.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | 3343 PERIMETER HILL DRIVE SUITE 214 NASHVILLE, TN 37211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $2K | $37K | 30.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.1M |
| BROWN & BROWN OF TENNESSEE NONE | Contract Administrator Service code 13 | 565 MARRIOT DRIVE SUITE 500 NASHVILLE, TN 37214 | $30K |
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 | 2,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14 | $166K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,230 | $290K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 2,988 | $281K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,675 | $1.9M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,675 | $1.9M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,675 | $1.9M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,701 | $864K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,675 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,701 | — |
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.