| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 2.34% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DRIVE #250 NASHVILLE, TN 37204 | DELTA DENTAL PLAN OF TENNESSEE | $19K | — | $19K | 10.00% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 9.12% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | $18 | $4K | $4K | 4.56% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | STANDARD INSURANCE COMPANY | $710 | — | $710 | 0.73% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.26% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | $7 | $2K | $2K | 4.63% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | STANDARD INSURANCE COMPANY | $326 | — | $326 | 0.72% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $434K |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 541 | $191K |
| Life insurance | STANDARD INSURANCE COMPANY | 229 | $98K |
| Long-term disability | STANDARD INSURANCE COMPANY | 153 | $45K |
| Other | STANDARD INSURANCE COMPANY | 229 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.