| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $48K | — | $48K | 5.71% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | PAN-AMERICAN LIFE INSURANCE COMPANY | $43K | — | $43K | 9.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | PAN-AMERICAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.01% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL OF TENNESSEE | $28K | — | $28K | 9.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 18.71% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | EYEMED VISION CARE | $9K | — | $9K | 9.99% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $402 | $4K | 10.31% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $381 | $1K | 3.89% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $157 | $565 | 1.58% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $205 | $412 | 1.15% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $1 | $374 | 1.05% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $188 | $336 | 0.94% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SINGLEY LII | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $46 | $227 | 0.63% |
| HEATHER HORN3 | 126 REED ROAD LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $20 | $128 | 0.36% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.29% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $25 | $90 | 0.25% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.22% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.20% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| BRENDA GAIL PATE3 | 3 MONGIN WAY BLUFFTON, SC 29909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CYD M WYATT3 | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.04% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.12% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $508 | $2K | 13.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAN-AMERICAN LIFE THIRD PARTY ADMIN | Contract Administrator Service code 13 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | $39K |
| PAN-AMERICAN BENEFIT SOLUTIONS OTHER | Other services Service code 49 | 1778 NO PLANO RD 310 RICHARDSON, TX 75081 | $35K |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 193 | $832K |
| Dental | DELTA DENTAL OF TENNESSEE | 1,478 | $310K |
| Vision | EYEMED VISION CARE | 1,199 | $85K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 450 | $138K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 450 | $147K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $30K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 535 | $443K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.