| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $20K | — | $20K | 10.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $263 | $21K | 15.19% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $253 | $253 | 0.18% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $232 | $14K | 15.26% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $229 | $229 | 0.26% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, OH 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $6K | $47K | 62.65% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 10.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, OH 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $3K | $29K | 67.68% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $71 | $5K | 15.22% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73 | $73 | 0.23% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $1K | $18 | $1K | 15.21% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | — | $18 | $18 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $314K |
| TIMOTHY JJ FINNELL INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | $77K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | $39K |
| GROUP BENEFITS LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | $36K |
| AETNA LIFE INS. COMPANY EIN 06-6033492 PPO CHARGE | Insurance services Service code 23 | PO BOX 88860 CHICAGO, IL 60695 | $7K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 U/R | Insurance services Service code 23 | PO BOX 360142 PITTSBURGH, PA 15250 | $7K |
| TELADOC INC EIN 04-3705970 ALT CARE | Insurance services Service code 23 | PO BOX 123417 DALLAS, TX 75312 | $3K |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 750 | $201K |
| Vision | DELTA DENTAL OF TENNESSEE | 684 | $49K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $141K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 763 | $89K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO | 603 | $391K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.