| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 3.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 9.80% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY, LLC | 7300 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $7K | 30.35% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $52 | $2K | 8.95% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $254 | $254 | 1.24% |
| ENROLLEASE3 Filed as: COWAN BENEFITS SERVICE, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 370277508 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | — | $136 | 0.67% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE ST., SUITE 600 CHICAGO, IL 606613640 | NGL | $1K | — | $1K | 10.00% |
| JAMES G MCALISTER3 Filed as: JAMES G. MCALISTER | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $104 | $359 | 7.60% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC. | 113 SEABOARD LANE FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 7.37% |
| DEBBIE R CUNNINGHAM3 Filed as: DEBBIE R. CUNNINGHAM | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $14 | $310 | 6.57% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $50 | $165 | 3.49% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $21 | $117 | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 E. JACKSON BLVD., SUITE 14A CHICAGO, IL 60604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 1.40% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $19 | $52 | 1.10% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
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 | 97 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $1.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 234 | $62K |
| Vision | NGL | 197 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $108K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $88K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.