| 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. | $2.5M | $0 | $2.5M | 5.77% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $102K | — | $102K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | — | $69K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.97% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS, LLC | 201 FRANKLIN RD. STE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71K | $0 | $71K | — |
| DENNIS E TRAYWICK8 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47K | $8K | $55K | — |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES | 4701 TROUSDALE DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $6K | $21K | — |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $590 | $8K | — |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $536 | $4K | — |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $383 | $4K | — |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $186 | $3K | — |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | — |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | $0 | $755 | — |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | — |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | — |
| DORAH ELIZABETH JOHNSON3 | 584 WAYNESBORO HWY WAYNESBORO, TN 38485 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | — |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $16 | $56 | — |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | — |
| BEVERLY GATES3 | 149 DORRIS ROAD PORTLAND, TN 37148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | — |
| BRIAN YERVANT AKIAN3 | PO BOX 17269 IRVINE, CA 92623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | — |
| DEBBIE RENEA CUNNINGHAM3 | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | — |
| BENEFITS ENRICHED INC3 | 705 FISHERVILLE RD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | — |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $3 | $23 | — |
| SUSAN B STEELE3 | 415 N 6TH ST NEDERLAND, TX 77627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | — |
| CARRIE DEANNE CHANEY3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN ROAD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| KAREN W GORDON3 | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | — |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | — |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | — |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, TN 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | — |
| MICHAEL F FAHEY III3 | 9301 NW 33RD ST DORAL, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | — |
| J AUSTIN BAKER3 | 855 WILLOW TREE CIRCLE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | — |
| JEFFREY C. LYNCH3 Filed as: JEFFREY C LYNCH | 783 OLD HICKORY BLVD BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | — |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | — |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON ROAD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
| DORIS LINDA MARTIN3 | 449 HUNTINGDON STREET LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
| SELECTIVE OPTIONS INC3 | 9270 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
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 | 5,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 8,574 | $42.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 8,574 | $42.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 8,574 | $42.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,033 | $679K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 664 | $182K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,033 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,574 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.