| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BH GROUP TN LLC3 Filed as: BH GROUP TN, LLC | 2718 WEST END AVENUE, SUITE 126-281 NASHVILLE, TN 37212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $10K | $61K | 15.84% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | COMPANION LIFE INSURANCE COMPANY | $258 | $0 | $258 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BH PREFERRED, LLC BROKER | Insurance agents and brokers Service code 22 | 2817 WEST END AVENUE, SUITE 126-281 NASHVILLE, TN 37203 | $0 |
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 ADMINISTRATOR | Claims processing Service code 12 | — | $0 |
| CONNECTCARE EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $0 |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $386K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $386K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $388K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $386K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $386K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY DBA COVERYS | 74 | $18K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.