| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD GIRDLER3 | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37064 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $16K | — | $16K | 4.67% |
| HAYS COMPANIES, INC.3 Filed as: JAMES C HAYS | 100 S POINT DR APT 2605 MIAMI, FL 33139 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 1.46% |
| IGAEB, LLC3 Filed as: IGAEB LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 11.98% |
| AMERICAN UNITED LIFE3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 3.02% |
| IGAEB, LLC3 Filed as: IGAEB LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | GUARDIAN | $2K | — | $2K | 8.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES INC | 1500 BROADWAY 21ST FLOOR SUITE 700 NEW YORK, NY 10036 | GUARDIAN | $552 | — | $552 | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI | 1605 CONCENTRIC BLVD SUITE 2 SAGINAW, MI 48604 | GUARDIAN | $166 | — | $166 | 0.60% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.95% |
| IGAEB, LLC3 Filed as: IGAEB LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $816 | — | $816 | 10.18% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 60 | $337K |
| Dental | GUARDIAN | 69 | $28K |
| Vision | GUARDIAN | 69 | $28K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $53K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $53K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $53K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.