| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC. | PO BOX 158548 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $14K | — | $14K | 0.22% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC. | PO BOX 158548 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 9.03% |
| EDWARD R. HOWELL3 | 3409 SPRINGBROOK DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.97% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC. | PO BOX 158548 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.94% |
| EDWARD R. HOWELL3 | 3409 SPRINGBROOK DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC. | PO BOX 158548 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.21% |
| EDWARD R. HOWELL3 | 3409 SPRINGBROOK DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC. | PO BOX 158548 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.38% |
| EDWARD R. HOWELL3 | 3409 SPRINGBROOK DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $649 | — | $649 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN, MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST. SUITE 100 MIAMI, FL 33178 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SYSTEMS, INC. EIN 62-1020448 INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 158548 NASHVILLE, TN 37215 | $179K |
| EDWARD R. HOWELL EIN 62-1020448 INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 158548 NASHVILLE, TN 37215 | $8K |
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 | 724 | 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) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 765 | $6.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $366K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 840 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 724 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 724 | $226K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 724 | $156K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 724 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.