| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $141K | $25K | $166K | 18.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 6.50% |
| BENE RE LLC3 Filed as: BENE RE, LLC | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $24K | $24K | 4.00% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 3.50% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 0.75% |
| JOSHUA SMITH3 Filed as: JOSHUA M SMITH | 504 WILLOW OAK DR STE 100 BOWLING GREEN, KY 42103 | BLUERE OF TENNESSEE | — | — | $0 | 0.00% |
| PHILIP C FREEMAN3 | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | BLUERE OF TENNESSEE | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, INC. | 1925 FREDERICA STREET OWENSBORO, KY 42301 | TRUSTMARK INSURANCE COMPANY | $51K | — | $51K | 13.41% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $28K | — | $28K | 7.32% |
| STARLENA A ROBBINS3 Filed as: STARLENA ROBBINS | PO BOX 1007 853 EAST 4TH ST LONDON, KY 40743 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 1.50% |
| ASSURED NEACE LUKENS INS. AGENCY4 Filed as: ASSURED NEACE LUKENS INSURANCE | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 15.18% |
| GREGORY H GRAY4 | 97042 WOODSTORK LN FERNANDINA BEACH, FL 32034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $370 | — | $370 | 2.76% |
| AMERICAN BUSINESS SERVICES INC4 Filed as: AMERICAN BUSINESS SERVICES, INC. | 466 SYNNYSLOPE DR HUMBOLDT, TN 38343 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | — | $67 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $557K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $33K |
| ASSUREDPARTNERS NL, LLC AGENT/AGENCY | Insurance agents and brokers Service code 22 | 840 CRESCENT CENTRE DR SUITE 300 FRANKLIN, TN 37067 | $4K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUERE OF TENNESSEE | 809 | $864K |
| Vision | EYEMED VISION CARE | 551 | $48K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 900 | $899K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 900 | $899K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 900 | $899K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 900 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.