| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK E. NEAL & CO.3 Filed as: FRANK E. NEAL & CO | 193-B POLK AVENUE NASHVILLE, TN 37210 | GUARDIAN | $672K | $0 | $672K | 11.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | UNKNOWN MURFREESBORO, TN 37129 | GUARDIAN | $0 | $54K | $54K | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $10K | $0 | $10K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | PO BOX 40507 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 320 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $597 | $597 | 1.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2456 CLEARWATER, FL 33757 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $348 | $348 | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $944 | $0 | $944 | 6.70% |
| FRANK E. NEAL & CO.3 Filed as: FRANK E. NEAL & CO., INC. | 193 POLK AVENUE, SUITE B NASHVILLE, TN 37210 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $386 | $0 | $386 | 2.74% |
| FRANK E. NEAL & CO.3 Filed as: FRANK E. NEAL & CO., INC. | 200 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $79 | $0 | $79 | 0.56% |
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 | 5,457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 5,457 | $6.0M |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 5,457 | $5.9M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 5,457 | $5.9M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 5,457 | $5.9M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 5,457 | $5.9M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 5,457 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,457 | — |
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.