| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNNY R RATLIFF3 Filed as: JOHNNY RATLIFF | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $65K | — | $65K | 3.80% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BENEFITS INC3 | 110 MATHIS DRIVE DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 13.38% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.69% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.43% |
| BENEFITS INC3 | 110 MATHIS DRIVE DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.80% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $376 | $3K | 16.98% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $223 | $2K | 16.56% |
| THOMAS CHRISTOPHER SMITH Filed as: THOMAS C SMITH IOPT LLC | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD DBA HUB INT GU | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 4.52% |
| FRANK P DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.51% |
| ASHLEY L. DEMATTEO Filed as: ASHLEY L DEMATTEO | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.43% |
| THOMAS CHRISTOPHER SMITH Filed as: THOMAS C SMITH IOPT LLC | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD DBA HUB INTL G | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | — | $217 | 4.51% |
| ASHLEY L. DEMATTEO Filed as: ASHLEY L DEMATTEO | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.46% |
| FRANK P DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.33% |
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 | 511 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 336 | $1.7M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 336 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 336 | $1.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $87K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 510 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $68K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.