| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR SUITE 200 BRENTWOOD, TN 37027 | PRINCIPAL LIFE INSURANCE COMPANY | $187K | $34K | $221K | 14.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN INSURANCE AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $56K | $56K | 3.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOT DRIVE SUITE 500 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 1.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SYMETRA FINANCIAL | $71K | — | $71K | 12.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA FINANCIAL | — | $21K | $21K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $129K | — | $129K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.4M |
| BROWN & BROWN OF TENNESSEE NONE | Contract Administrator Service code 13 | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | $71K |
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 | 3,553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $147K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $147K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,672 | $1.3M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,780 | $1.6M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,780 | $1.6M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,780 | $1.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,672 | $1.3M |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,780 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,672 | — |
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.