| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT REVEY3 | 2817 WEST END STE 126-281 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE | $32K | $0 | $32K | 5.04% |
| BH GROUP TN LLC3 | 2718 W END AVE #126-281 NASHVILLE, TN 37212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 11.16% |
| BH GROUP TN LLC3 Filed as: BH GROUP TN | 2817 WEST END AVE STE 126-218 NASHVILLE, TN 37203 | COMPANION LIFE INSURANCE | $5K | $0 | $5K | 8.50% |
| BERNARD HEALTH LLC3 Filed as: BERNARD HEALTH, LLC | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.12% |
| BERNARD HEALTH LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 23.20% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $580 | $0 | $580 | 8.84% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 1.37% |
| BERNARD HEALTH LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 38.07% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $619 | $0 | $619 | 9.88% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 184 | $699K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $87K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $124K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 25 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $37K |
| Other | COMPANION LIFE INSURANCE | 54 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.