| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $67K | — | $67K | 5.37% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 12.53% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.85% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 25.72% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL RD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $323 | — | $323 | 0.92% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 261 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 261 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 261 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $110K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $145K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $110K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.