| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 16.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.35% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $721 | $0 | $721 | 1.10% |
| LINDA R MARCUM3 Filed as: LINDA R. MARCUM | 1147 NORTH BROAD STREET LEXINGTON, TN 38351 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $689 | $0 | $689 | 4.03% |
| WEH INSURANCE AGENCY, INC.3 | 3339 NORTH HIGHLAND JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $0 | $433 | 2.53% |
| MICHAEL A DUARTE3 Filed as: MICHAEL A. DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.48% |
| BETTY C HAYNES3 Filed as: BETTY C. HAYNES | 3339 NORTH HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.35% |
| HAZEL G JOHNSON3 Filed as: HAZEL G. JOHNSON | 209 BOB WITT ROAD MEDINA, TN 38355 | AFLAC | $43 | $0 | $43 | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEVEN WADE BROWN | 1725 HIGHWAY 138 MERCER, TN 38392 | AFLAC | $25 | $0 | $25 | 1.29% |
| CINDY HOLMES ROE3 | 162 YOSHINO DRIVE JACKSON, TN 38301 | AFLAC | $23 | $0 | $23 | 1.19% |
| JERRY W WILLOUGHBY3 Filed as: JERRY W. WILLOUGHBY | 72 ROY CROW ROAD NEWBERN, TN 38059 | AFLAC | $22 | $0 | $22 | 1.14% |
| DEBBIE GAIL CRUTCHFIELD3 | 216 RAINES CEMETERY ROAD HUMBOLT, TN 38343 | AFLAC | $18 | $0 | $18 | 0.93% |
| RONALD H RICHEY3 Filed as: RONALD H. RICHEY AND OTHER AGENTS | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $17 | $0 | $17 | 0.88% |
| BENJAMIN F. HOWARD III3 | 105 MCINTOSH DRIVE JACKSON, TN 38305 | AFLAC | $12 | $0 | $12 | 0.62% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $86K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $66K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.