| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BDI ADVISORS3 Filed as: BDI ADVISORS LLC | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| LARRY R HIGHTOWER3 | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF TN | $5K | — | $5K | 8.76% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $506 | $3K | 9.41% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.77% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $412 | $2K | 5.09% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $773 | $324 | $1K | 2.98% |
| KENNETH SLEDGE3 | 2100 WEST END AVE NASHVILLE, TN 37203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.47% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.08% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $212 | $1K | 11.87% |
| BDI ADVISORS3 Filed as: BDI ADVISORS LLC | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $522 | — | $522 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VXTRA EIN 02-0677823 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 2700 CUMBERLAND PARKWAY, SUITE 140 ATLANTA, GA 30339 | $75K |
| CIGNA EIN 59-1031071 NETWORK ACCESS | Insurance services Service code 23 | 900 COTTAGE GROVE RD HARTFORD, CT 06152 | $37K |
| CONTINENTAL BENEFITS EIN 38-3913227 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 422 S. KINGS AVENUE BRANDON, FL 33511 | $18K |
| NEW BENEFITS, LTD EIN 75-2343577 TELEMEDICINE | Other services Service code 49 | — | $3K |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 102 | $212K |
| Dental | BLUE CROSS AND BLUE SHIELD OF TN | 178 | $61K |
| Vision | BLUE CROSS AND BLUE SHIELD OF TN | 178 | $61K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $3K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $103K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.