| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PARK 80 W PLAZA 2 SADDLEBROOK, NJ 07663 | AETNA | $8K | — | $8K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $11K | — | $11K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 1.13% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.88% |
| KEITH LEPACK3 Filed as: KEITH TOBIAS | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.75% |
| MCELHANEY INSURANCE LLC3 Filed as: MCELHANEY INSURANCE | 1315 BASS AVE MURFREESBORO, TN 37129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.62% |
| FINANCIAL PRODUCTS AND SERVICES Filed as: FINANCIAL PRODUCTS AND SERVICES INC | 211 ATHENS WAY, STE 100 NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.57% |
| TOM PROVOW LLC3 Filed as: TOM PROVOW | EVERGREEN MGMT MURFREESBORO, TN 37129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.48% |
| WILLIAM KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.46% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.27% |
| VICKIE E LEWIS3 Filed as: VICKIE LEWIS | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.18% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH MCLENNAN EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | PARK 80 W PLAZA 2 SADDLEBROOK, NJ 07663 | $33K |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 201 | $1.2M |
| Dental | AETNA | 201 | $1.2M |
| Vision | AETNA | 201 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS CO | 173 | $19K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO | 101 | $74K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 101 | $74K |
| Other | LINCOLN NATIONAL LIFE INS CO | 173 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.