| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH GROUP SERVICES INC1 | PO BOX 1801 COLUMBIA, TN 38402 | TOKIO MARINE | $35K | — | $35K | 13.01% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.20% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $445 | $2K | 10.92% |
| R H GROUP SERVICES, INC3 | 147 BEAR CREEK PK COLUMBIA, TN 38401 | USABLE LIFE | $1K | — | $1K | 5.00% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.06% |
| RH GROUP SERVICES INC3 | PO BOX 1801 COLUMBIA, TN 38402 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| ADAMS CONSULTING GROUP, LLC3 | 640 BAND DRIVE FRANKLIN, TN 37064 | VISION SERVICE PLAN | $508 | — | $508 | 3.00% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.59% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $517 | — | $517 | 13.38% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 1077.78% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVEENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 3.47% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICE | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $398 | — | $398 | 17.53% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 169 | $17K |
| Life insurance(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $264K |
| Long-term disability(4 contracts, 3 carriers) | PRTUDENTIAL INSURANCE COMPANY OF AMERICA | 272 | $211K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 231 | $271K |
| Other(12 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.