| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JACKSON & WA | PO BOX 306015 NASHVILLE, TN 372306015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $6K | $47K | 15.11% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JACKSON & WA | PO BOX 306015 NASHVILLE, TN 372306015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.91% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.44% |
| VARIOUS3 | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $640 | $5K | 26.61% |
| VARIOUS3 | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $381 | $3K | 23.50% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $342K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $91K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $91K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $86K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $86K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $86K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.