| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHMART USA3 | 3326 ASPEN GROVE DR., STE 270 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $82K | — | $82K | 17.06% |
| CRAIG LAWRENCE3 | 1902 TURNING WHEEL LANE FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 3.37% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG O'SHONEY | 4760 ST. ANDREW CT. CLARKSVILLE, TN 37043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 2.02% |
| KIMBERLEY BECK3 | 800 MAIN ST. DUBUQUE, ID 52004 | BLUERE OF TENNESSEE | $10K | — | $10K | 2.46% |
| GREGG B. LAWRENCE3 | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 6.86% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE RD. NASHVILLE, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $292 | $19K | 5.23% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE RD. CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 1.42% |
| CRAIG A. O'SHONEY3 | 4760 ST. ANDREW CT. CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.28% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $911 | — | $911 | 0.24% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 0.09% |
| KEITH TOBIAS3 | 1366 DUNRAVEN DR. MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.05% |
| ROBERT COLE3 | 115 LAKESIDE PARK CT. HENDERSONVILLE, TN 37075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.04% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.02% |
| MARK A SHELL3 Filed as: MARK A. SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| CATHY M LERMAN3 Filed as: CATHY M. LERMAN | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $4 | $17 | 0.00% |
| WILLIAM KYZER3 | P.O. BOX 8213 HERMITAGE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DR CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| BRENDA K COX3 Filed as: BRENDA K. COX | 3604 N. GRAND AVENUE CONNERSVILLE, IN 47331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| TODD BAKER3 | 380 HARDING PLACE NASHVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DANIELLE MORGAN3 | 27284 STRAWBERRY LANE, APT. 302 FARMINGTON HILLS, MI 48187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TAMMY M. GIBSON3 Filed as: TAMMY GIBSON | 41031 WILLIAMSBURG BLVD. CANTON, MI 48187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HEALTHMART USA3 | 3326 ASPEN GROVE DR. #270 FRANKLIN, TN 370674827 | AMERITAS LIFE INSURANCE CORP. | $26K | — | $26K | 8.00% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN O'SHONEY | 4760 ST. ANDREW CT. CLARKSVILLE, TN 370437225 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.00% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE DR., STE 270 FRANKLIN, TN 370674827 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.00% |
| HEALTHSMART USA, LLC3 | 3326 ASPEN GROVE DR. SUITE 265 FRANKLIN, TN 37067 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.01% |
| HEALTHMART USA3 Filed as: HEALTHMART, USA, LLC | 3326 ASPEN GROVE RD. STE. 270 FRANKLIN, TN 37067 | COMPANION LIFE | $4K | — | $4K | 7.05% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE | $2K | — | $2K | 3.53% |
| HEALTHMART USA3 Filed as: HEALTHMART USA, LLC | 3326 ASPEN GROVE RD, STE. 270 FRANKLIN, TN 37067 | COMPANION LIFE | $4K | — | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE | $2K | — | $2K | 7.50% |
| GREGG B. LAWRENCE3 | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 16.84% |
| CRAIG GOODMAN LAWRENCE3 | 3327 ASPEN GROVE RD. NASHVILLE, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $67 | $3K | 13.24% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $483 | $940 | 4.27% |
| CRAIG A. O'SHONEY3 | 4760 ST. ANDREW CT. CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.33% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE, INC. | 1024 GRANADA AVE. NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.24% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR. MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| ROBERT COLE3 | 115 LAKESIDE PARK CT. HENDERSONVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| KEITH TOBIAS3 | 1366 DUNRAVEN DR. MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| WESLEY ALLEN HUDNALL3 | 548 WESTGATE CT. NASHVILLE, TN 37221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HEALTHMART USA3 | 3326 ASPEN GROVE DR, STE 270 FRANKLIN, TN 37067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| GOODMAN LAWRENCE CRAIG3 | 3326 ASPEN GROVE, STE. 270 FRANKLIN, TN 37067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| CRAIG A. O'SHONEY3 Filed as: CRAIG O'SHONEY | 4760 ST. ANDREWS COURT FRANKLIN, TN 37043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD TN EIN 62-0427913 NONE | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $346K |
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 | 549 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUERE OF TENNESSEE | 1,133 | $489K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,750 | $323K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,750 | $323K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE | 784 | $78K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $507K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $482K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 784 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,750 | — |
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.