| 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 | — | $39K | $39K | 3.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 6.45% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 10.00% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 30.58% |
| DANNY BOGGS3 Filed as: DANNY J. BOGGS | 113 POINT DRIVE TULLAHOMA, TN 37388 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.47% |
| CIARRA B. ARMSTRONG3 | 242 HERITAGE PARK DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $982 | — | $982 | 1.78% |
| WENDY L. WIGGS3 | 9775 OLD TULLAHOMA ROAD TULLAHOMA, TN 37388 | CONTINENTAL AMERICAN INSURANCE COMPANY | $915 | — | $915 | 1.66% |
| NO NAME3 Filed as: NAME WAS NOT PROVIDED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $559 | — | $559 | 1.01% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE ST., SUITE 3400 CHICAGO, IL 60661 | NGL (NATIONAL VISION ADMINISTRATORS, L.L.C.) | $1K | — | $1K | 10.00% |
| NICOLE GOLDEN3 | 7909 CONCORD HILLS DR., SUITE 105 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 28.49% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 4.47% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 2.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.94% |
| RECA L. WILLIAMS3 | 623 WOODLEIGH DRIVE NASHVILLE, TN 37215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.14% |
| LEIGH CATTELL-ROBERTS3 | ASHLEY L. DEMATTEO 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $113 | $11 | $124 | 16.53% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $1.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 276 | $71K |
| Vision | NGL (NATIONAL VISION ADMINISTRATORS, L.L.C.) | 232 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 122 | $139K |
| Short-term disability | STANDARD INSURANCE COMPANY | 122 | $139K |
| Long-term disability | STANDARD INSURANCE COMPANY | 122 | $139K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 122 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.