| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY FINNELL6 | 3400 PLAYERS CLUB PKWY STE 110 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $214 | $6K | 10.14% |
| BOAR ENROLLMENT STRATEGIES3 | STE 209 2444 BROAD ST CHATTANOOGA, TN 37408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122 | — | $122 | 0.22% |
| THE HARDIN COUNTY BANK INSURANCE AG3 | 7115 HWY 57 COUNCE, TN 38326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81 | — | $81 | 0.14% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $339 | $7K | 15.75% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $201 | $4K | 15.75% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $82 | $1K | 12.74% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | $35 | $504 | 10.75% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.