| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYNTHIA SCHMIDT3 | 18 ROCKCREST DRIVE SIGNAL MOUNTAIN, TN 37377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96K | — | $96K | 10.45% |
| CREATIVE BENEFITS SOLUTIONS3 Filed as: CREATIVE BENEFITS SOLUTIONS INC | 18 ROCKCREST DRIVE SIGNAL MOUNTAIN, TN 37377 | DELTA DENTAL OF TENNESSEE | $141K | — | $141K | 16.00% |
| CYNTHIA SCHMIDT3 | 18 ROCKCREST DRIVE SIGNAL MOUNTAIN, TN 37377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $181K | — | $181K | 23.42% |
| CREATIVE BENEFITS SOLUTIONS3 Filed as: CREATIVE BENEFITS SOLUTIONS INC | 18 ROCKCREST DRIVE SIGNAL MOUNTAIN, TN 37377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 5.75% |
| CYNTHIA SCHMIDT3 | 18 ROCKCREST DRIVE SIGNAL MOUNTAIN, TN 37377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 11.06% |
| CREATIVE BENEFITS SOLUTIONS3 Filed as: CREATIVE BENEFITS SOLUTIONS INC | 18 ROCKCREST DRIVE SIGNAL MOUNTAIN, TN 37377 | UNITED HEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 20.00% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.83% |
| TIGRETT & PENNINGTON INC3 | PO BOX 784 DYERSBURG, TN 38025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 0.62% |
| WILLIAM R. SCOGGINS3 Filed as: WILLIAM R SCOGGINS | PO BOX 3237 CLEVELAND, TN 37320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.10% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 Filed as: FINANCIAL PLANNING ASSOCIATES | 5726 MARLIN ROAD STE 212 CHATTANOOGA, TN 37411 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.10% |
| WILLIAM THOMAS3 Filed as: THE WILLIAM THOMAS AGENCY | PO BOX 3237 CLEVELAND, TN 37320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | FIRST UNUM LIFE INSURANCE COMPANY | $24 | — | $24 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATOR | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $1.3M |
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 | 2,305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 381 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,882 | $204K |
| Dental | DELTA DENTAL OF TENNESSEE | 3,340 | $883K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,882 | $204K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $839K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $989K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $1.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,097 | $438K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 197 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,097 | — |
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.