| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH GROUP SERVICES INC1 | PO BOX 1801 COLUMBIA, TN 38402 | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | $35K | — | $35K | 10.73% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 6.49% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $345 | $7K | 15.75% |
| BENEFITS FIRST LLC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.69% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $216 | $3K | 9.01% |
| RH GROUP SERVICES INC3 | PO BOX 1801 COLUMBIA, TN 38402 | VISION SERVICE PLAN | $2K | — | $2K | 10.03% |
| ADAMS CONSULTING GROUP, LLC3 | 640 BAND DRIVE FRANKLIN, TN 37064 | VISION SERVICE PLAN | $574 | — | $574 | 3.01% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $241 | — | $241 | 1.26% |
| FINANCIAL PRODUCTS AND SERVICE3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $759 | $57 | $816 | 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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 173 | $19K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $230K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $147K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | 209 | $329K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.