| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH LACHER3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | — | $41K | 3.95% |
| RUSTY CHAMBERS3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $13K | — | $13K | 1.24% |
| CRITCHTON, BRANDON, JACKSON & WARD3 | PO BOX 306015 NASHVILLE, TN 37230 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $8K | $22K | 18.61% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INS. LLC | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 381124434 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $519 | $6K | 4.81% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON, BRANDON, JACKSON & WARD I | PO BOX 306015 NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $788 | $7K | 17.12% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $479 | $3K | 7.96% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.68% |
| LYNN MARIE BARRY3 | PO BOX 1287 LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | $189 | $706 | 1.81% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $77 | $381 | 0.98% |
| JA SMITH & ASSOC. LLC DBA FIVE POIN3 | 717 MURFREESBORO ROAD FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.46% |
| LISA JENNETTE UNDERHILL3 | 1296 RED OAK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.32% |
| SHEILA A SHELL3 Filed as: SHEILA A. SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.21% |
| CATHY M LERMAN3 Filed as: CATHY M. LERMAN | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.17% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.13% |
| JAMES ADAM FULLER3 | 1208 SPRUCE SPRINGS COURT NOLENSVILLE, TN 37135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.10% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| WILLIAM RICHARD KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| POPLAR INSURANCE AGENCY INC3 Filed as: POPLAR INSURANCE AGENCY INC. | PO BOX 342950 BARTLETT, TN 38134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| MITZI FARLEY3 | 112 SPRINGFIELD DRIVE SMYMA, TN 37167 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| JONATHAN ROBERTS3 | 871 IBIS WALK PLACE NORTH ST. PETERSBURG, FL 33716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| GREG GRIFFITH3 | 752 WALNUT KNOLL LANE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 165 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 165 | $1.0M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 181 | $117K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 181 | $117K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 181 | $117K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 181 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.