| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY SUITE 400 LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $87K | — | $87K | 12.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $260 | $11K | 1.54% |
| PHILIP C FREEMAN3 | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $27K | — | $27K | 4.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $256K | — | $256K | 45.75% |
| ASSURED BENEFITS INC3 Filed as: ASSURED INSURANCE | 1925 FREDERICA STREET OWENSBORO, KY 42301 | TRUSTMARK INSURANCE COMPANY | $130K | — | $130K | 42.95% |
| STARLENA A ROBBINS3 | 5959 KEAVY ROAD - PO BOX 1007 LONDON, KY 40744 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 3.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL | 4500 TOWN CENTER BLVD JEFFERSONVILLE, IN 47130 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $36K | — | $36K | 15.63% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 10.08% |
| GREGORY H GRAY3 | 97042 WOODSTORK LN FERNANDINA BEACH, FL 32034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $323 | — | $323 | 2.84% |
| AMERICAN BUSINESS SERVICES INC3 | 466 SYNNYSLOPE DR HUMBOLDT, TN 38343 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $215 | — | $215 | 1.89% |
| WILLIAM JONES3 Filed as: WILLIAM D JONES | 958 COLLETT AVE STE 200 BOWLING GREEN, KY 42101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $113 | — | $113 | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CLAIMS ADMINISTRATION | Contract Administrator Service code 13 | — | $533K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $27K |
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 | 1,120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,526 | $638K |
| Vision | EYEMED VISION CARE | 1,448 | $43K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 750 | $229K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,120 | $728K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,120 | $728K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 503 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,526 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.