| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLEY BECK3 | 800 MAIN ST. DUBUQUE, ID 52004 | BLUERE OF TENNESSEE | $10K | — | $10K | 1.50% |
| HEALTHMARK USA3 | 3326 ASPEN GROVE DR. STE 270 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $92K | — | $92K | 15.71% |
| LAWRENCE CRAIG3 | 1902 TURNING WHEEL LANE FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 3.05% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG O'SHONEY | 4760 ST. ANDREW CT. CLARKSVILLE, TN 37043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 1.83% |
| GREGG B. LAWRENCE3 | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 6.00% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE RD. NASHVILLE, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $400 | $14K | 4.47% |
| CRAIG A. O'SHONEY3 | 4760 ST. ANDREW CT. CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.63% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS SERVICES, LLC | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $245 | $2K | 0.60% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE RD. CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | $218 | $961 | 0.32% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | — | $587 | 0.19% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.08% |
| KEITH TOBIAS3 | 1366 DUNRAVEN DR. MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.03% |
| MARK CHRISTOPHER HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.02% |
| MARK A SHELL3 Filed as: MARK A.SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| WILLAM RICHARD KYZER3 | P.O. BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DR. CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| BRENDA K COX3 Filed as: BRENDA K. COX | 3604 N. GRAND AVENUE CONNERSVILLE, IN 47331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DANIELLE MORGAN3 | 27284 STRAWBERRY LANE, APT. 302 FARMINGTON HILLS, MI 48334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HEALTHMART USA3 Filed as: HEALTHMART USA, LLC | 4100 CLOVER MEADOWS DR. FRANKLIN, TN 37067 | UNION SECURITY INSURANCE COMPANY | $28K | — | $28K | 9.96% |
| CRAIG LAWRENCE3 Filed as: CRAIG G. LAWRENCE | 3326 ASPEN GROVE RD. STE. 270 FRANKLIN, TN 37067 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.78% |
| GREGG B. LAWRENCE3 Filed as: GREGG BRUCE LAWRENCE | 4100 CLOVER MEADOWS DR. FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 35.10% |
| CRAIG LAWRENCE3 Filed as: CRAIG G. LAWRENCE | 1113 MURFREESBORO RD. 147 FRANKLIN, TN 37064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 28.07% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN O'SHONEY | 4760 ST. ANDREW CT. CLARKSVILLE, TN 37043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.02% |
| HEALTHMART USA3 | 3326 ASPEN GROVE DR. #270 FRANKLIN, TN 370674827 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| HEALTHMART USA3 | 3326 ASPEN GROVE DR. STE 270 FRANKLIN, TN 37067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $568 | — | $568 | 11.99% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG O'SHONEY | 4760 ST. ANDREWS COURT CLARKSVILLE, TN 37043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71 | — | $71 | 1.50% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE DR. STE 270 FRANKLIN, TN 37067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71 | — | $71 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD TN EIN 62-0427913 NONE | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $465K |
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 | 973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUERE OF TENNESSEE | 1,437 | $749K |
| Dental | UNION SECURITY INSURANCE COMPANY | 634 | $279K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 575 | $592K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 575 | $587K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 575 | $587K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 575 | $980K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,437 | — |
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.
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.