| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $43K | $51K | 3.33% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 10.00% |
| DISCOVER THE POWER LLC3 | 7909 CONCORD HILLS DRIVE, SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.59% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.24% |
| CLAY E. JOHNSON3 | 740 SIX MILE BOARD ROAD BELVIDERE, TN 37306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $895 | — | $895 | 1.21% |
| DANNY BOGGS3 Filed as: DANNY J. BOGGS | 113 POINT DRIVE TULLAHOMA, TN 37388 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.10% |
| CIARRA B. ARMSTRONG3 | 242 HERITAGE PARK DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE ST., SUITE 3400 CHICAGO, IL 60661 | NGL (NATIONAL VISION ADMINISTRATORS, L.L.C.) | $2K | — | $2K | 10.00% |
| NICOLE GOLDEN3 | 7909 CONCORD HILLS DR., SUITE 105 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.89% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $851 | — | $851 | 4.78% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 1.21% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $137 | $137 | 0.77% |
| 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 | 0.44% |
| RECA L. WILLIAMS3 | 623 WOODLEIGH DRIVE NASHVILLE, TN 37215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N. CAUSEWAY BLVD. METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 3.89% |
| JAMES G MCALISTER3 Filed as: JAMES G. MCALISTER | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 2.51% |
| DEBBIE RENEA CUNNINGHAM3 | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 2.22% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.13% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.13% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $113 | $15 | $128 | 17.07% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $1.5M |
| Vision | NGL (NATIONAL VISION ADMINISTRATORS, L.L.C.) | 306 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $144K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $144K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $144K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.