| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100, KANSAS CITY KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $9K | $30K | 6.97% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 5.07% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTONA, GA 30115 | PRINCIPAL LIFE INSURANCE COMPANY | — | $17K | $17K | 3.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $2K | $22K | 8.27% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 7.50% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 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 | $13K | $1K | $15K | 8.29% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.50% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 7.00% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 23.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 15.96% |
| ASSURED INSURANCE CONSULTANTS LLC3 Filed as: ASSURED INSURANCE CONSULTANTS, LLC | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 11.17% |
| MOLLIE L ZIGELNIK3 | 1204 RACHEL ST SEVIERVILLE, TN 37876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 9.14% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 8.32% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A COLUMBIA, SC 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 7.50% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 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 | $5K | $579 | $6K | 8.35% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HWY 25/70 SUITE A DANDRIDGE, TN 37725 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINATTI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $190 | $2K | 8.15% |
| 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 | $2K | — | $2K | 7.50% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 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 | 2,650 | 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) | 2,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,362 | $431K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,362 | $431K |
| Life insurance(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,084 | $708K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,362 | $694K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,362 | $579K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,084 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,084 | — |
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.