| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E MCELHANEY3 Filed as: JAMES MCELHANEY | 1610 S CHURCH ST STE A MURFREESBORO, TN 37130 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | — | $52K | $52K | 5.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 15.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 15.34% |
| TOM PROVOW LLC3 | 522B BANDIES CIRCLE STE 1 MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $748 | — | $748 | 3.15% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $93 | $677 | 2.85% |
| CATHY BUFFONE3 Filed as: CATHY M LERMAN | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | $150 | $657 | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $650 | $4 | $654 | 2.76% |
| MCELHANEY INSURANCE LLC3 | 2115 LOOK ROCK CT MURFREESBORO, TN 37130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | — | $574 | 2.42% |
| LERMAN VENTURES INC3 | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $48 | $377 | 1.59% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $90 | $273 | 1.15% |
| KEITH LEPACK3 Filed as: KEITH TOBIAS | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.61% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.24% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.02% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE AND ASSOC | 12945 HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| DEBORAH C BUSH3 Filed as: DEBORAH BUSH | 2962 BABY RUTH LN ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $734 | $3K | 15.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $593 | $2K | 15.23% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 242 | $874K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 242 | $874K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 242 | $874K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 170 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.