| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 6.80% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $860 | — | $860 | 4.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SOUTHEAST ST ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $716 | — | $716 | 6.66% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 200 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $358 | — | $358 | 3.33% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 137 | $132K |
| Dental | DELTA DENTAL OF TENNESSEE | 156 | $11K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 137 | $132K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $17K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $17K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $17K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.