| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY K STEPP3 Filed as: LARRY HIGHTOWER | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF TN | $6K | — | $6K | 7.79% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $211 | $4K | 11.19% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $65 | $1K | 4.02% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $756 | $71 | $827 | 2.58% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | — | $673 | 2.10% |
| KENNETH SLEDGE3 | 2100 WEST END AVE NASHVILLE, TN 37203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.73% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.09% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY EIN 91-6034263 STOP LOSS | Other insurance fees and expenses Service code 73 | PO BOX 535298 ATLANTA, GA 303535298 | $285K |
| VXTRA EIN 02-0677824 IM ACCESS PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers Service code 15 | 2701 CUMBERLAND PARKWAY, SUITE 140 ATLANTA, GA 30339 | $73K |
| CIGNA EIN 59-1031071 CM CONSULTING | Insurance services; Consulting fees Service code 23 | PO BOX 13701 PHILADELPHIA, PA 19101 | $27K |
| CONTINENTAL BENEFITS EIN 38-3913227 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 422 S. KINGS AVENUE BRANDON, FL 33511 | $17K |
| BLUE CROSS BLUE SHIELD OF TN EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF TN | 217 | $78K |
| Vision | BLUE CROSS AND BLUE SHIELD OF TN | 217 | $78K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $11K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 61 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.