| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET, SUITE 220 ROUNDABOUT PLAZA NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $45K | — | $45K | 3.98% |
| MICHELLE SULLIVAN3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | — | $19K | 1.66% |
| PARADIGM GROUP3 | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 6.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 3.17% |
| PARADIGM GROUP3 | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.05% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP, LLC | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | VISION SERVICE PLAN | $703 | — | $703 | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | VISION SERVICE PLAN | $511 | — | $511 | 3.30% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 319 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 347 | $137K |
| Vision | VISION SERVICE PLAN | 162 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $113K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $113K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 319 | $1.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.