| 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 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2.8M | — | $2.8M | 6.16% |
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS, LLC | P. O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.25% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83K | — | $83K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81K | — | $81K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS, LLC | 201 FRANKLIN RD. STE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62K | — | $62K | 12.01% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $7K | $41K | 7.96% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES | 4701 TROUSDALE DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $7K | $21K | 4.09% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $2K | $20K | 3.84% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $284 | $3K | 0.66% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $117 | $3K | 0.59% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $103 | $3K | 0.59% |
| BEVERLY GATES3 | 149 DORRIS ROAD PORTLAND, TN 37148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | — | $588 | 0.11% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 0.04% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $18 | $79 | 0.02% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $12 | $22 | 0.00% |
| NELSON BENEFITS GROUP LLC3 Filed as: NELSON BENEFITS GROUP, LLC | 35054 KAREN ROAD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| CAREY CHANEY HUNSINGER3 | 8 CARETAKERS LANE SAVANNAH, GA 31404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| SELECTIVE OPTIONS INC3 | 9270 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.85% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 5,178 | 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) | 5,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 8,851 | $45.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 8,851 | $45.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 8,851 | $45.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,178 | $540K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,082 | $574K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 683 | $192K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,178 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,851 | — |
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.
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.