| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | UNITED HEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $12 | $13K | 8.78% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 4.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $277 | $277 | 0.18% |
| KENNETH ESTLING3 | 2600 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| RICK BIANCHI3 | 2600 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $3K | $495 | $4K | 8.50% |
| WEH INSURANCE AGENCY, INC.3 | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $2K | — | $2K | 4.26% |
| SHEILA JOHNSON3 Filed as: SHEILA C. JOHNSON | 276 GREENHILL DRIVE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $669 | — | $669 | 1.42% |
| MICHAEL A DUARTE3 Filed as: MICHAEL A. DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE AND ACCIDENT COMPANY | $502 | $123 | $625 | 1.33% |
| FIRST SO. INS SVCS AND OTHER AGENTS3 | 23 FEDERAL DRIVE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $122 | — | $122 | 0.26% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT COMPANY | $37 | $5 | $42 | 0.09% |
| DANNY CHARLES WILLIAMS3 | 14 LYNLEY COVE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $21 | — | $21 | 0.04% |
| HAZEL G JOHNSON3 Filed as: HAZEL G. JOHNSON | 209 BOB WITT ROAD MEDINA, TN 38355 | AFLAC | $51 | — | $51 | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEVEN WADE BROWN | 1725 HIGHWAY 138 MERCER, TN 38392 | AFLAC | $30 | — | $30 | 1.31% |
| CINDY HOLMES ROE3 | 162 YOSHINO DRIVE JACKSON, TN 38301 | AFLAC | $27 | — | $27 | 1.18% |
| JERRY W WILLOUGHBY3 Filed as: JERRY W. WILLOUGHBY | 72 ROY CROW ROAD NEWBERN, TN 38059 | AFLAC | $26 | — | $26 | 1.13% |
| DEBBIE GAIL CRUTCHFIELD3 | 216 RAINES CEMETERY ROAD HUMBOLDT, TN 38343 | AFLAC | $21 | — | $21 | 0.91% |
| MJ INSURANCE3 Filed as: RONALD H. RICHEY AND VARIOUS AGENTS | 4023 LUARAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $19 | — | $19 | 0.83% |
| BENJAMIN F. HOWARD III3 | 105 MCINTOSH DRIVE JACKSON, TN 38305 | AFLAC | $14 | — | $14 | 0.61% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $154K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $154K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $154K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $154K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $1.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.