| 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 | $13K | $0 | $13K | 7.82% |
| H BRIAN GIBSON3 Filed as: BRIAN W. TOLBERT | 2817 WEST END AVENUE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| BH PREFERRED LLC3 | 1900 CHURCH ST. STE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| H BRIAN GIBSON3 Filed as: BRIAN W. TOLBERT | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.63% |
| H BRIAN GIBSON3 Filed as: BRIAN W. TOLBERT | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.00% |
| BH PREFERRED LLC3 | 1900 CHURCH ST STE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| BRIAN TOLBERT3 | 3205A DAKOTA AVENUE NASHVILLE, TN 37203 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| BERNIE PORTAL3 | 1900 CHURCH AVENUE NASHVILLE, TN 37203 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 21.58% |
| BERNARD HEALTH LLC3 | 618 CHURCH STREET SUITE 310 NASHVILLE, TN 37219 | METLIFE LEGAL PLANS | $517 | $0 | $517 | 10.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO BENEFITS ADMIN | Claims processing Service code 12 | 800 MAIN STREET DUBUQUE, IA 52001 | $152K |
| BH PREFERRED, LLC BROKER | Insurance agents and brokers Service code 22 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | $81K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 487 | $169K |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 420 | $42K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 420 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $42K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 280 | $365K |
| Other(4 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 420 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.