| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS, LLC | 201 FRANKLIN ROAD STE 200 BRENTWOOD, TN 37024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $360K | $0 | $360K | 1.25% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82K | $0 | $82K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.96% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.15% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS, LLC | 201 FRANKLIN RD. STE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $0 | $29K | — |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $6K | $27K | — |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $5K | $10K | — |
| WILLIAM KYZER3 | P.O. BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | — |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $999 | $83 | $1K | — |
| BRENDA H BRIDGES3 Filed as: BRENDA H. BRIDGES | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $454 | $44 | $498 | — |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $0 | $403 | — |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $9 | $315 | — |
| JAMES A SHARP3 Filed as: JAMES A. SHARP | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $7 | $278 | — |
| FREDERICK AARON CHAMBERS3 | 1109 OVOCA RD TULLAHOMA, TN 37388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $44 | $140 | — |
| SHEILA A SHELL3 Filed as: SHEILA A. SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | — |
| MICHAEL A DUARTE3 Filed as: MICHAEL A DURANTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $3 | $103 | — |
| DORAH ELIZABETH JOHNSON3 | 584 WAYNESBORO HWY WAYNESBORO, TN 38485 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | — |
| BENEFITS FIRST LLC3 | P.O BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | — |
| KAREN W GORDON3 Filed as: KAREN W. GORDON | 390 MASTERS DR. LEXINTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | — |
| SHARON MAY LINDSAY3 | 2911 STAGE RUN DRIVE HIXON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| KATHERINE C ROBERTS3 Filed as: KATHERINE C. ROBERTS | 8846 PICADILLY TRAIL OOLTEWAH, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | — |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON RD. DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | — |
| DORIS LINDA MARTIN3 | 449 HUNTINGDON STREET LEXINGTON, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
| MAX MARTIN LINDSAY3 | 2911 STAGE RUN DRIVE HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
| LBMC EMPLOYMENT PARTNERS3 | 201 FRANKLIN RD, STE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| TONYA BELL3 | 3228 CLAPHAM ROAD ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE RD. CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| MARK A SHELL3 Filed as: MARK A. SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 3,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 6,539 | $28.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 6,539 | $28.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 6,539 | $28.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,892 | $545K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 762 | $172K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,892 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,539 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.