| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 17.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 2 BRENTWOOD, TN 37027 | COMPANION LIFE INSURANCE COMPANY | $37K | — | $37K | 14.56% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 7.32% |
| GREGG B. LAWRENCE3 Filed as: GREGG B LAWRENCE | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 3.92% |
| CRAIG GOODMAN LAWRENCE3 | 3326 ASPEN GROVE ROAD NASHVILLE, TX 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.93% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 0.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.51% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG A OSHONEY | 4760 ST ANDREW COURT CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | — | $665 | 0.32% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 0.15% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.07% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN DRIVE MURFREESBORO, TX 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.02% |
| MARK A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| LUNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.01% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DRIVE CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERITAS LIFE INSURANCE CORP. | $13K | — | $13K | 9.54% |
| HEALTHMART USA3 | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | AMERITAS LIFE INSURANCE CORP. | $500 | $606 | $1K | 0.81% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 SAINT ANDREW COURT CLARKSVILLE, TN 37043 | AMERITAS LIFE INSURANCE CORP. | $62 | — | $62 | 0.05% |
| CRAIG GOODMAN LAWRENCE3 | 1902 TURNING WHEEL LANE FRANKLIN, TN 37067 | AMERITAS LIFE INSURANCE CORP. | $62 | — | $62 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.03% |
| HEALTHMART USA3 Filed as: HEALTHMART USA LLC | 3326 ASPEN GROVE DRIVE FRANKLIN, TN 37067 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| GREGG B. LAWRENCE3 Filed as: GREGG BRUCE LAWRENCE | 4100 CLOVER MEADOWS DRIVE FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.50% |
| CRAIG LAWRENCE3 Filed as: CRAIG G LAWRENCE | 1113 MURFREESBORO ROAD 147 FRANKLIN, TN 37064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.59% |
| CRAIG A. O'SHONEY3 Filed as: CRAIG ALAN OSHONEY | 4760 ST ANDREW COURT CLARKSVILLE, TN 37043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $344 | — | $344 | 1.90% |
| 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 | $197 | — | $197 | 1.09% |
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 | 1,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 421 | $137K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 1,182 | $207K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,188 | $457K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $647K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $440K |
| Stop-loss / reinsurancereinsurance | INTERNATIONAL ASSURANCE OF TN | 450 | $778K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,188 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,188 | — |
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.