| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 5.54% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $983 | $11K | 10.94% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $687 | $8K | 10.90% |
| CRICHTON BRANDON JACKSON & WARD INC3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $392 | $8K | 38.72% |
| ASSUREX3 | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $697 | $697 | 3.26% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 26.75% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $4K | 27.53% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON PERRY BRANDON JA | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $759 | $72 | $831 | 10.95% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $143K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $143K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $76K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 85 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $104K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.