| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | UNKNOWN BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $192K | $0 | $192K | 4.94% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN DALLAS, TX 75201 | AMERICAN UNITED LIFE INSURANCE COMPANY | $116K | $0 | $116K | 2.99% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF TENNESSEE | $25K | $0 | $25K | 2.01% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $146K | — | $146K | 26.85% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.48% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN BRENTWOOD, TN 37027 | U.S. LEGAL SERVICES, INC. | $0 | $21K | $21K | 18.76% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY CLAY LYNCH | 783 OLD HICKORY BOULEVARD SUITE 353W BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.33% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $632 | $0 | $632 | 1.08% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.33% |
| KEITH S. TOBIAS AND OTHER AGENTS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.26% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.19% |
| PAMELA E JONES3 Filed as: PAMELA E. JONES | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.08% |
| SUZANNE R BROSEMER3 Filed as: SUZANNE R. BROSEMER | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.03% |
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 | 2,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 4,284 | $1.2M |
| Vision | VISION SERVICE PLAN | 2,150 | $422K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,348 | $3.9M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,348 | $3.9M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,348 | $3.9M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,348 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,284 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.