| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 116 20TH AVENUE SOUTH NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.31% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.16% |
| MICHAEL B. JAMES3 | 840 CRESCENT CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | $0 | $9K | 14.89% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $4K | $488 | $4K | 12.61% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 | 116 20TH AVENUE SOUTH NASHVILLE, TN 37203 | UNUM INSURANCE COMPANY | $966 | $0 | $966 | 2.80% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 247 | $61K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 247 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $77K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $77K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.