| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $28K | — | $28K | 8.32% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37056 | PRINCIPLE LIFE INSURANCE COMPANY | $18K | $2K | $20K | 16.29% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | — | $402 | 28.35% |
| LARA K GRANDE3 Filed as: LARA KELLAHAN C GRANDE | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 1.48% |
| ALAN W FOSTER3 Filed as: ALAN WAYNE FOSTER | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.21% |
| KELSEY DAVID EVERT3 | 630 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.14% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE | PO BOX 552 HOPKINSVILLE, KY 42241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 93 | $342K |
| Dental | PRINCIPLE LIFE INSURANCE COMPANY | 139 | $123K |
| Vision | PRINCIPLE LIFE INSURANCE COMPANY | 139 | $123K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 139 | $123K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 139 | $123K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 32 | $1K |
| Other | PRINCIPLE LIFE INSURANCE COMPANY | 139 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.