| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 0.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 0.43% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 2.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 1440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | — | $21K | 2.14% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $67K | — | $67K | 11.89% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $44K | — | $44K | 7.87% |
| VOL EMP. BENEFIT ADVISORS USA, LLC3 | 3100 WEST END AVENUE NASHVILLE, TN 37203 | USABLE LIFE | $28K | — | $28K | 5.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $14K | — | $14K | 2.50% |
| ALTERNATIVE SOLUTIONS GROUP OF TN3 | 2505 DEVON VALLEY DRIVE NASHVILLE, TN 37221 | USABLE LIFE | $14K | — | $14K | 2.50% |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY, JR. | 3100 WEST END, SUITE 905 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 4.09% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | — | $6K | 2.40% |
| ALTERNATIVE SOLUTIONS GROUP OF TN3 Filed as: ALTERNATIVE SOLUTIONS OF TENNESSEE | 2505 DEVON VALLEY DRIVE NASHVILLE, TN 37221 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 0.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 3625 CUMBERLAND BOULEVARD SE SUITE 800 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 0.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $3K | — | $3K | 1.57% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $2K | — | $2K | 0.90% |
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 | 2,345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 4,366 | $1.4M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 4,366 | $417K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,384 | $1.5M |
| Short-term disability | USABLE LIFE | 1,536 | $565K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,384 | $984K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,449 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,366 | — |
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.