| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNNY R RATLIFF3 | PO BOX 568 DICKSON, TN 37056 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $92K | — | $92K | 3.79% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY - CAMPBELL | 900 E. HAMILTON AVE STE 500 CAMPBELL, CA 95008 | SUTTER HEALTH PLAN | $30K | — | $30K | 4.04% |
| ENROLLEASE3 Filed as: ONE DIGITAL - CUPERTINO | 19200 STEVENS CREEK BLVD STE 210 CUPERTINO, CA 95014 | SUTTER HEALTH PLAN | $7K | — | $7K | 0.96% |
| FILICE INSURANCE AGENCY Filed as: FILICE INSURANCE SERVICES, LLC | 900 E. HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC | $26K | — | $26K | 4.35% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC | $3K | — | $3K | 0.47% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 E. HAMILTON AVE STE 500 CAMPBELL, CA 95008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 11.77% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 13.53% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.85% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.70% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.38% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.07% |
| FILICE INSURANCE AGENCY Filed as: FILICE INSURANCE SERVICES, LLC | 900 E. HAMILTON AVE CAMPBELL, CA 95008 | VISION CARE | $2K | — | $2K | 8.19% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION CARE | $417 | — | $417 | 1.87% |
| ENROLLEASE Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION CARE | $281 | — | $281 | 1.26% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $781 | $4K | 19.23% |
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 | 377 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 377 | $3.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 377 | $2.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 377 | $2.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 937 | $130K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 637 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 937 | $130K |
| Prescription drug | SUTTER HEALTH PLAN | 118 | $755K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 937 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.