| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 3.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $41 | $12K | 8.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.96% |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $1K | — | $1K | 3.86% |
| WEH INSURANCE AGENCY, INC.3 | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $865 | — | $865 | 2.53% |
| MICHAEL A DUARTE3 Filed as: MICHAEL A. DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE AND ACCIDENT COMPANY | $177 | — | $177 | 0.52% |
| BETTY C HAYNES3 Filed as: BETTY C. HAYNES | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT COMPANY | $97 | — | $97 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $255 | $255 | 2.08% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | — | $86 | 0.70% |
| HAZEL G JOHNSON3 Filed as: HAZEL G. JOHNSON | 209 BOB WITT ROAD MEDINA, TN 38355 | AFLAC | $48 | — | $48 | 2.09% |
| 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% |
| MJ INSURANCE3 Filed as: RONALD H. RICHEY AND VARIOUS AGENTS | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $22 | — | $22 | 0.96% |
| DEBBIE GAIL CRUTCHFIELD3 | 216 RAINES CEMETERY ROAD HUMBOLDT, TN 38343 | AFLAC | $21 | — | $21 | 0.91% |
| 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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $142K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $142K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $154K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $142K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $142K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.6M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.