| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 13.51% |
| DIGITAL INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 11.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN BROWN INSURANCE SERVICES | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.09% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 17.30% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIR LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.61% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.05% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $758 | — | $758 | 5.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 1.47% |
| JOHN R BRASEL3 Filed as: JOHN RUSSELL BRASEL | 118 ALLYE AVE MOOREVILLE, MS 388576008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.98% |
| JAMES E WOOD3 Filed as: JAMES WOOD | 123 SPRINGFIELD DRIVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.86% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.79% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIR LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.77% |
| CHANDLA D PESNELL3 | 4465 HWY 134 WHITESIDE, TN 37396 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Named fiduciary; Contract Administrator; Non-monetary compensation; Float revenue; Claims processing; Other services; Participant communication; Direct payment from the plan Service code 12 | — | $38K |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $281K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 257 | $64K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 257 | $64K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 257 | $64K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 64 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.