| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS CHRISTOPHER SMITH Filed as: THOMAS SMITH | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL GULF | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 4.51% |
| FRANK P DOHERTY Filed as: FRANK DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.45% |
| ASHLEY L. DEMATTEO Filed as: ASHLEY DEMATTEO | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.45% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | DELTA DENTAL OF TENNESSEE | — | $0 | $0 | — |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $999K |
| Dental | DELTA DENTAL OF TENNESSEE | 204 | $0 |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $6K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $887 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.