| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209K | — | $209K | 12.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60K | $60K | 3.71% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371K | — | $371K | 25.75% |
| CHERYL E GREEN3 | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154K | — | $154K | 10.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD. NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128K | — | $128K | 8.87% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 0.62% |
| CHARLES GRIM3 Filed as: CHARLES S GRIM | 777 OAKMEADOW GRAYSLAKE, IL 60030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.43% |
| VBTN, INC3 Filed as: VBTN, INC. | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.39% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.30% |
| AUSTIN T RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.29% |
| JACKSON D RHODES3 | TWO RED BUSH CT. NO. 3 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.29% |
| LYNN B HODGE3 | 32 EARNHART ROAD BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.27% |
| BRIAN COHEN3 Filed as: BRIAN S COHEN | 701 LEORA LANE SUITE 1016 THE COLONY, TX 75056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.25% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.19% |
| DARIAN NULL3 Filed as: DARIAN W NULL | 248 GROOM AVE COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 541 N MOUNT JULIET ROAD SUITE 2201A MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| CHARLES HARTHUN3 | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS INC. | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| DAVID M CRUMLEY3 | 101 GILLESPIE DRIVE APT. 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| DAVID J ROTH3 | 2211 CAROLINE PARK LANE SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $813 | — | $813 | 0.06% |
| MICHAEL D MENNE3 | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $674 | — | $674 | 0.05% |
| HAYWARD ALEXANDER3 Filed as: HAYWARD C ALEXANDER | 66 NORTH FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | — | $652 | 0.05% |
| TERI MAYNARD3 Filed as: TERI A MAYNARD | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $616 | — | $616 | 0.04% |
| SHEILA D MCCLARAN3 Filed as: SHEILA MCCLARAN | 1101 JUSTICE AVENUE LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $403 | — | $403 | 0.03% |
| BRENT L GOODE3 | MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 0.03% |
| BRENT L GOODE3 | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $389 | — | $389 | 0.03% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 0.02% |
| JOEY MIGUES3 | 306 W. MAIN STREET NEW IBERIA, LA 70580 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.01% |
| REBECCA C KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.01% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER M TOWNSEND | 4502 COLORADO AVENUE NASHVILLE, TN 37212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.00% |
| JEFF ANDREWS3 | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WESLEY BROWN | PO BOX 305025 NASHVILLE, TN 37230 | BLUERE OF TENNESSEE | $54K | — | $54K | 8.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WESLEY BROWN | PO BOX 305025 NASHVILLE, TN 37230 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $35K | — | $35K | 10.08% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS INC. | 5211 MARYLAND WAY SUITE 1060 BRENTWOOD, TN 37027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 6.10% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE | $12K | — | $12K | 10.50% |
| WILLIAM RICHARD KYZER3 Filed as: WILLIAM R KYZER | PO BOX 8213 HERMITAGE, TN 37076 | AMERICAN HERITAGE LIFE | $723 | — | $723 | 0.65% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | AMERICAN HERITAGE LIFE | $656 | — | $656 | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE | $586 | — | $586 | 0.52% |
| DARIAN NULL3 | 248 GROOM AVENUE COVINGTON, TN 38019 | AMERICAN HERITAGE LIFE | $207 | — | $207 | 0.18% |
| AUSTIN RADER3 | 242 HERITAGE PARK DRIVE MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $130 | — | $130 | 0.12% |
| CHARLES HARTHUN3 | 22580 HWY 22 N YUMA, TN 38390 | AMERICAN HERITAGE LIFE | $128 | — | $128 | 0.11% |
| MICHAEL D MENNE3 Filed as: MICHAEL MENNE | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $95 | — | $95 | 0.08% |
| REBECCA C KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | AMERICAN HERITAGE LIFE | $80 | — | $80 | 0.07% |
| JAMES SMITH3 | 242 HERTIAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $67 | — | $67 | 0.06% |
| LYNN HODGE3 | 119 BOONE RIDGE DRIVE SUITE 203 JOHNSON CITY, TN 37615 | AMERICAN HERITAGE LIFE | $48 | — | $48 | 0.04% |
| CHRISTOPHER TOWNSEND3 | 4502 COLORADO AVENUE NASHVILLE, TN 37209 | AMERICAN HERITAGE LIFE | $39 | — | $39 | 0.03% |
| ERIC RUBASH3 | 764 FITZPATRICK ROAD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE | $36 | — | $36 | 0.03% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 2 RED BUSCH CT. SUITE 3 JOHNSON CITY, TN 37601 | AMERICAN HERITAGE LIFE | $31 | — | $31 | 0.03% |
| KELSEY EVERT3 | 541 N MT JULIET ROAD SUITE 2201 A MT. JULIET, TN 37122 | AMERICAN HERITAGE LIFE | $29 | — | $29 | 0.03% |
| DAVID ROTH3 | 20115 CYPRESSWOOD GLEN SPRING, TX 77373 | AMERICAN HERITAGE LIFE | $12 | — | $12 | 0.01% |
| BRIAN COHEN3 | 701 LEORA LANE SUITE 1016 COLONY, TX 75056 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.00% |
| HAYWARD ALEXANDER3 Filed as: HAYWARD ALEXANDER JR. | 66 N FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.00% |
| TERI MAYNARD3 | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $2 | — | $2 | 0.00% |
| CHERYL E GREEN3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 57.96% |
| CHARLES A ANDREWS3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 16.81% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 11.06% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 4.87% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 3.10% |
| MICHAEL A DUARTE3 | 795 DANLEY ROAD CHARLOTTE, TN 37036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.77% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.77% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.88% |
| MARK A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.88% |
| ROBERT COLE3 | 115 LAKESIDE PARK CT HENDERSONVILLE, TN 37075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.44% |
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 | 4,238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 2,073 | $659K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,055 | $345K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,445 | $298K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,350 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,578 | $3.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,350 | $1.6M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,578 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,578 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.