| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS LLC Filed as: EMPLOYEE PLANS, LLC | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.16% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $1K | $11K | 17.16% |
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $7K | — | $7K | 10.28% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $749 | $6K | 17.15% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $692 | $6K | 17.14% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $702 | $6K | 22.55% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $384 | $4K | 21.99% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 162 | $273K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 162 | $65K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 162 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $99K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $101K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $35K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.