| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGOWAN-STITT INS INC3 Filed as: MCGOWAN-STITT INSURANCE, INC. | PO BOX 807 COVINGTON, TN 38019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $60K | $60K | 5.00% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD H-1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $21K | 12.31% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD HI NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.25% |
| LAYNE FINANCIAL INC3 | — | ONE AMERICAN | $5K | $2K | $7K | 10.99% |
| MCBRIDE STITT3 Filed as: MCBRIDE AND STITT INC | — | ONE AMERICAN | $2K | — | $2K | 3.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TN INC | — | ONE AMERICAN | $836 | — | $836 | 1.32% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 SOUTH DENTON PAT ROAD SUITE 100 COPPELL, TX 75019 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CARLA T WITHERINGTON3 Filed as: CARLA TURNER WITHERINGTON | 1405 HERRING DRIVE COVINGTON, TN 38019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.53% |
| MCGOWAN-STITT INS INC3 | PO BOX 807 COVINGTON, TN 38019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $576 | — | $576 | 2.39% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 1.93% |
| WESLEY H CUNNINGHAM3 | 215 LAKE DRIVE RIPLEY, TN 38063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 0.73% |
| CARLA T WITHERINGTON3 Filed as: CARLA TURNER WITHERINGTON | 1405 HERRING DRIVE COVINGTON, TN 38019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 4.78% |
| MCGOWAN-STITT INS INC3 | PO BOX 807 COVINGTON, TN 38019 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.77% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 1.69% |
| WESLEY H CUNNINGHAM3 | 215 LAKE DRIVE RIPLEY, TN 38063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.62% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $175K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $175K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $175K |
| Short-term disability | ONE AMERICAN | 110 | $63K |
| Long-term disability | ONE AMERICAN | 110 | $63K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.