| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 200 NASHVILLE, TN 37203 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 10.06% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 3.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 2200 NASHVILLE, TN 37215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE SUITE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE SUITE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $918 | $918 | 0.80% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE SUITE 206 DURHAM, NC 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $854 | $854 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE SUITE 206 DURHAN, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $554 | $554 | 0.79% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE SUITE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $807 | $807 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDALLE DRIVE SUITE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $532 | $532 | 0.79% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $653 | $653 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE SUITE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $431 | $431 | 0.80% |
| GROUP INSURANCE SERVICES INC3 | 801 PINE STREET HUB BLDG 3B CHATTANOOGA, TN 37402 | MAGELLAN HEALTH SERVICES INC | $949 | — | $949 | 12.01% |
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 | 889 | 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) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,773 | $255K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,490 | $391K |
| Life insurance(3 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 1,773 | $393K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 887 | $115K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 815 | $54K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,490 | $391K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 889 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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.