| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE BENEFITS ASSOCIATES INC.3 | 348-A COOL SPRINGS BLVD. FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $183K | $41K | $223K | 18.00% |
| INSURANCE BENEFITS ASSOCIATES INC.3 | 1889 GENERAL GEORGE PATTON DR. SUITE 100 FRANKLIN, TN 370676294 | HUMANADENTAL INSURANCE COMPANY | $22K | — | $22K | 9.94% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 370277508 | HUMANADENTAL INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 22.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 19.71% |
| FRANK P DOHERTY3 Filed as: FRANK P. DOHERTY | P.O. BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| MULTI LIFE INC.3 | 348 COOL SPRINGS BLVD., SUITE A FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | — | $337 | 1.43% |
| RABIE EDMOND DAVIS3 | 1889 GENERAL GEORGE PATTON DR. SUITE 100 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| JAMES VAUGHN HUNT3 Filed as: JAMES DAVID HANCOCK | 6501 HARDING RD., APT. T-11 NASHVILLE, TN 37205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| AMY B CITRON3 Filed as: AMY CITRON | 1889 GENERAL GEORGE PATTON DR. SUITE 100 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DAVID MICHAEL CAPOZZI3 Filed as: DAVID WAYNE CRABTREE | 1889 GENERAL GEORGE PATTON DR. FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TERESA L. ROMANOFF3 | 1889 GENERAL GEORGE PATTON DR. SUITE 100 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TERESA L. ROMANOFF3 Filed as: TERESA ROMANOFF | 1889 GENERAL GEORGE PATTON DR. SUITE 100 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MATT SIGMUND3 | 1889 GENERAL GEORGE PATTON DR. SUITE 100 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 4,254 | 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) | 4,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANADENTAL INSURANCE COMPANY | 1,667 | $220K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,554 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,554 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,554 | $1.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,554 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,667 | — |
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.