| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H BRIAN GIBSON3 Filed as: BRIAN W TOLBERT | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF ILLINOIS | $62K | — | $62K | 3.81% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT RISK MGT INC | 823 COMMERCE DR STE 350 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $16K | — | $16K | 1.02% |
| BRIAN TOLBERT3 | 3205A DAKOTA AVENUE NASHVILLE, TN 37203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.19% |
| BH GROUP IN LLC3 Filed as: BH GROUP TN LLC | 2817 WEST END AVE STE 126 NASHVILLE, TN 37203 | VISION SERVICE PLAN | $865 | — | $865 | 6.53% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $957 | — | $957 | 39.64% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $484 | — | $484 | 20.05% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $537 | — | $537 | 38.63% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 21.65% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | — | $443 | 37.57% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 20.27% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $431 | — | $431 | 39.69% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | — | $217 | 19.98% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $334 | — | $334 | 39.86% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 20.17% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | — | $260 | 36.78% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 22.91% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 20.05% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 320 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $139K |
| Vision | VISION SERVICE PLAN | 153 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $139K |
| Short-term disability(8 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.