| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $141K | — | $141K | 4.74% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $809 | — | $809 | 1.00% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.70% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $677 | — | $677 | 1.00% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.56% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $665 | — | $665 | 1.00% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $393 | — | $393 | 1.00% |
| VIRTUS LLC3 Filed as: VIRTUS BENEFITS LLC | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $105 | — | $105 | 1.00% |
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 | 706 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 706 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 706 | $3.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 706 | $3.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 505 | $68K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $81K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 505 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.