| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $333K | — | $333K | 19.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $208K | — | $208K | 11.91% |
| 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 | — | $116K | $116K | 6.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | BLUERE OF TENNESSEE | $40K | — | $40K | 4.73% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97K | — | $97K | 17.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD. NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | — | $39K | 7.18% |
| CHERYL E GREEN3 | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 2.91% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $937 | — | $937 | 0.17% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $700 | — | $700 | 0.13% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS INC. | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.05% |
| REBECCA C KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.04% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.03% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.01% |
| BRIAN COHEN3 Filed as: BRIAN S COHEN | 701 LEORA LANE APT. 1016 THE COLONY, TX 75056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.01% |
| TERI MAYNARD3 Filed as: TERI A MAYNARD | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| LYNN B HODGE3 | 32 EARNHART ROAD BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| DARIAN NULL3 Filed as: DARIAN W NULL | 248 GROOM AVE COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| JACKSON D RHODES3 | TWO RED BUSH CT. NO. 3 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER M TOWNSEND | 4502 COLORADO AVENUE NASHVILLE, TN 37212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| HAYWARD ALEXANDER3 Filed as: HAYWARD C ALEXANDER | 66 NORTH FLICKERING SUN CIRCLE THE WOODLANDS, TX 77382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | — | $41K | 10.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 5.73% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE | $484 | — | $484 | 7.97% |
| WILLIAM RICHARD KYZER3 Filed as: WILLIAM R KYZER | PO BOX 8213 HERMITAGE, TN 37076 | AMERICAN HERITAGE LIFE | $45 | — | $45 | 0.74% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | AMERICAN HERITAGE LIFE | $34 | — | $34 | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE | $13 | — | $13 | 0.21% |
| DARIAN NULL3 | 248 GROOM AVENUE COVINGTON, TN 38019 | AMERICAN HERITAGE LIFE | $9 | — | $9 | 0.15% |
| CHARLES HARTHUN3 | 22580 HWY 22 N YUMA, TN 38390 | AMERICAN HERITAGE LIFE | $7 | — | $7 | 0.12% |
| MICHAEL D MENNE3 Filed as: MICHAEL MENNE | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $6 | — | $6 | 0.10% |
| REBECCA C KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | AMERICAN HERITAGE LIFE | $4 | — | $4 | 0.07% |
| AUSTIN RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $4 | — | $4 | 0.07% |
| CHRISTOPHER TOWNSEND3 | 4502 COLORADO AVENUE NASHVILLE, TN 37209 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.05% |
| JAMES SMITH3 | 242 HERTIAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.05% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 2 RED BUSCH CT. SUITE 3 JOHNSON CITY, TN 37601 | AMERICAN HERITAGE LIFE | $2 | — | $2 | 0.03% |
| ERIC RUBASH3 | 764 FITZPATRICK ROAD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE | $2 | — | $2 | 0.03% |
| DAVID ROTH3 | 20115 CYPRESSWOOD GLEN SPRING, TX 77373 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.02% |
| DAVID ROTH3 | 20115 CYPRESSWOOD GLEN SPRING, TX 77373 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.02% |
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 | 5,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 3,716 | $842K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,521 | $401K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,618 | $258K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,783 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,532 | $2.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,783 | $1.7M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,532 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,532 | — |
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.