| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN TOLBERT3 Filed as: BRIAN WILLIAM TOLBERT | 2817 WEST END AVE STE 126 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF ILLINOIS | $68K | — | $68K | 4.11% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT RISK MGT INC | 823 COMMERCE DR STE 350 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $930 | — | $930 | 0.06% |
| TOLBERT BRIAN3 Filed as: TOLBERT, BRIAN, WILLIAM | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERITAS LIFE INSURANCE CORP. | $23K | — | $23K | 20.00% |
| TOLBERT BRIAN3 Filed as: TOLBERT, BRIAN W | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.46% |
| BH PREFERRED LLC3 | 1900 CHURCH ST STE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $3K | 8.67% |
| TOLBERT BRIAN3 Filed as: TOLBERT, BRIAN W | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.89% |
| BH PREFERRED LLC3 | 1900 CHURCH ST STE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 8.52% |
| BH GROUP IN LLC3 Filed as: BH GROUP TN LLC | 2817 W END AVE STE 126 NASHVILLE, TN 37203 | VISION SERVICE PLAN | $943 | — | $943 | 6.14% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $416 | — | $416 | 22.58% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 12.92% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $675 | — | $675 | 45.55% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 3.44% |
| BH PREFERRED LLC3 | 2817 WEST END AVE NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 25.44% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 6.18% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 7.89% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 6.29% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 24.76% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 5.91% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 58.24% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 9.25% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 5.07% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 60.00% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 58.62% |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 362 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 385 | $116K |
| Vision | VISION SERVICE PLAN | 153 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $29K |
| Short-term disability(10 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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 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.