| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST LOUIS, MO 63150 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268K | $0 | $268K | 6.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $113K | $113K | 2.61% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | $0 | $55K | 1.27% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $26K | $0 | $26K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.38% |
| JERRI J GREGORY3 Filed as: JERRI J. GREGORY AND OTHER AGENTS | 791 NW 43RD AVENUE DES MOINES, IA 50313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $234 | $8K | 5.36% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $270 | $2K | 1.41% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $2 | $125 | 0.09% |
| RENE ADRIAN RODRIGUEZ3 | 1814 EAST BELL ROAD APARTMENT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $6 | $59 | 0.04% |
| DW YOUNG AGENCY INC3 Filed as: DW YOUNG AGENCY, INC. | 347 CHURCH ROAD STOCKBRIDGE, GA 30281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $2 | $44 | 0.03% |
| ANGELA MASSARELLI3 Filed as: ANGELA J. ZWEERS | 183 BRANDON WOODS DRIVE SPRING HILL, TN 37174 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $2 | $37 | 0.03% |
| SUZANNE M CALHOUN3 Filed as: SUZANNE M. CALHOUN | 304 POINTE LOMA BOULEVARD LAKE SAINT LOUIS, MO 63367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | U.S. LEGAL SERVICES, INC. | $0 | $14K | $14K | 14.43% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY CLAY LYNCH | 783 OLD HICKORY BOULEVARD SUITE 353W BRENTWOOD, TN 37027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 4.64% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 1.10% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRICES, LLC | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.88% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.22% |
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 | 2,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 4,440 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,201 | $412K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,718 | $4.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,718 | $4.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,718 | $4.3M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,718 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,440 | — |
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.