| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AMERICAN UNITED LIFE INSURANCE COMPANY | $124K | $0 | $124K | 2.98% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $92K | $0 | $92K | 2.21% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $16K | $0 | $16K | 1.15% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $14K | $0 | $14K | 0.99% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.09% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $4K | $0 | $4K | 0.87% |
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 | 2,720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 4,913 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,428 | $437K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,720 | $4.2M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,720 | $4.2M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,720 | $4.2M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,720 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,913 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.