| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | SUITE 200 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | HUMANA INSURANCE COMPANY | $85K | $0 | $85K | 3.30% |
| BARNES INSURANCE AGENCY3 | P.O. BOX 609 PIGEON FORGE, TN 37868 | HUMANA INSURANCE COMPANY | $43K | $2K | $45K | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | P.O. BOX 291029 NASHVILLE, TN 37229 | HARTFORD LIFE AND ACCIDENT | $51K | $0 | $51K | 11.33% |
| BARNES INSURANCE AGENCY3 Filed as: BARNES INSURANCE AGENCY, INC. | P.O. BOX 609 PIGEON FORGE, TN 37868 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 4.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | SUITE 200 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | HUMANADENTAL INSURANCE COMPANY | $15K | $0 | $15K | 6.63% |
| BARNES INSURANCE AGENCY3 | P.O. BOX 609 PIGEON FORGE, TN 37868 | HUMANADENTAL INSURANCE COMPANY | $7K | $0 | $7K | 3.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | P.O. BOX 291029 NASHVILLE, TN 37229 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC. | SUITE 200 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | HUMANADENTAL INSURANCE COMPANY | $4K | $0 | $4K | 6.65% |
| BARNES INSURANCE AGENCY3 | P.O. BOX 609 PIGEON FORGE, TN 37868 | HUMANADENTAL INSURANCE COMPANY | $2K | $0 | $2K | 3.34% |
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 | 701 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 516 | $2.6M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 476 | $223K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 446 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 701 | $446K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 701 | $446K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 701 | $446K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 701 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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.