| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $102K | $9K | $111K | 6.51% |
| ASSURED INSURANCE CONSULTANTS LLC3 Filed as: ASSURED INSURANCE CONSULTANTS, LLC | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $102K | — | $102K | 5.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 7.50% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 7.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 7.50% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 7.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 7.00% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP INC. | 1612 MARION STREET FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $7K | $31K | 23.54% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.15% |
| ASSURED INSURANCE CONSULTANTS LLC3 Filed as: ASSURED INSURANCE CONSULTANTS, LLC | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.50% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A COLUMBIA, SC 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.50% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 7.00% |
| PRICE & RAMEY3 Filed as: PRICE & RAMEY INC | 1524 BRIDGEWATER LN SUITE 101 KINGSPORT, TX 37660 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 13.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 19.71% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | PRINCIPAL LIFE INSURANCE COMPANY | $156 | — | $156 | 0.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 7.00% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $2K | $13K | 36.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 16.08% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 16.05% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINATTI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| ASSURED INSURANCE CONSULTANTS LLC3 Filed as: ASSURED INSURANCE CONSULTANS LLC | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.00% |
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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,305 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,564 | $1.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,564 | $1.8M |
| Life insurance(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,396 | $412K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,564 | $387K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,564 | $304K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,305 | $1.7M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,396 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,396 | — |
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."
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.