| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHICHTON BRANDON JACKSON AND WARD3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 3.09% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON GROUP | 3011 ARMORY DRIVE #250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 4.58% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $693 | — | $693 | 0.96% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $348 | — | $348 | 1.00% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 1.00% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $152 | — | $152 | 1.00% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | VISION SERVICE PLAN | $1K | — | $1K | 8.97% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 380 | $113K |
| Vision(2 contracts) | VISION SERVICE PLAN | 75 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $35K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.