| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHMART USA3 Filed as: HEALTHMART USA LLC | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $106K | — | $106K | 17.13% |
| CRAIG GOODMAN LAWRENCE3 | 1902 TURNING WHEEL LANE FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 3.35% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 2.01% |
| HEALTHMART USA3 | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | AMERITAS LIFE INSURANCE CORP. | $22K | $1K | $23K | 8.37% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.00% |
| CRAIG GOODMAN LAWRENCE3 | 1902 TURNING WHEEL LANE FRANKLIN, TN 37067 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.00% |
| GREGG B. LAWRENCE3 Filed as: GREGG B LAWRENCE | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 7.18% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 4.16% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS SERVICESLLC | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $190 | $2K | 0.93% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG A OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | — | $402 | 0.16% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.06% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.03% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| MARK A SHELL3 Filed as: MARK A SCHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DRIVE CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| GREG BRUCE LAWRENCE3 | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 12.34% |
| CRAIG LAWRENCE3 | 1113 MURFREESBORO ROAD 147 FRANKLIN, TN 37064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.86% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.05% |
| GREGG B. LAWRENCE3 Filed as: GREGG B LAWRENCE | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 10.85% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE DRIVE NASHVILLE, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 6.83% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG A OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.81% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFIT SERVICES LLC | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $164 | $2K | 1.45% |
| HEALTHMART USA3 Filed as: HEALTHMART USA LLC | 3326 ASPEN GROVE DRIVE FRANKLIN, TN 37067 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.11% |
| HEALTHMART USA3 Filed as: HEALTHMART USA LLC | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.86% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | COMPANION LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| HEALTHMART USA3 Filed as: HEALTHMART USA LLC | 3326 ASPEN GROVE DRIVE SUITE 270 FRANKLIN, TN 37067 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.75% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | COMPANION LIFE INSURANCE COMPANY | $574 | — | $574 | 3.67% |
| GREGG B. LAWRENCE3 Filed as: GREGG B LAWRENCE | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | — | $422 | 3.62% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 1.23% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFIT SERVICES LLC | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.73% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG A OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.39% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.37% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.11% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DRIVE CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 652 | $277K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 652 | $349K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 376 | $676K |
| Short-term disability(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 367 | $1.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 367 | $618K |
| Stop-loss / reinsurancereinsurance | HEALTHSCOPE BENEFITS, INC | 695 | $732K |
| Other(7 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 376 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.