| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 9.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTEAST SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $2K | $6K | $8K | 7.31% |
| EDWARD RITTENBERG3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 6.11% |
| ROBERT A LEVY3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $485 | — | $485 | 0.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.29% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.15% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 8.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $179 | — | $179 | 0.87% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 355 | $21K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 313 | $86K |
| Vision | AETNA LIFE INSURANCE CO. | 355 | $21K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 346 | $106K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 346 | $106K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 346 | $106K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 374 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.