| 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 | $93K | $0 | $93K | 4.23% |
| H BRIAN GIBSON3 Filed as: BRIAN W TOLBERT | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.99% |
| BH PREFERRED LLC3 | STE 402 1900 CHURCH ST NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| BERNARD HEALTH LLC3 Filed as: BERNARD HEALTH, LLC | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $244 | $244 | 0.60% |
| H BRIAN GIBSON3 Filed as: BRIAN W TOLBERT | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| BERNARD HEALTH LLC3 Filed as: BERNARD HEALTH, LLC | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $228 | $228 | 0.60% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 30.72% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.09% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $486 | $0 | $486 | 16.64% |
| BH PREFERRED LLC3 | 2817 WEST END AVE NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $486 | $0 | $486 | 16.64% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | $0 | $182 | 12.91% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.57% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | $0 | $276 | 30.70% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | — | $298 | 40.88% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | $0 | $256 | 42.81% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.50% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 43.28% |
| BH PREFERRED LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 53.97% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 416 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 416 | $2.2M |
| Vision | BLUECROSS BLUESHIELD OF ILLINOIS | 416 | $2.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $38K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $41K |
| Other(7 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.