| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 4.76% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE STE 106 DICKSON, TN 37056 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 7.50% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.41% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DRIVE STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.76% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DRIVE DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 41.85% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $955 | $159 | $1K | 9.19% |
| WESLEY ALLEN HUDNALL3 | 538 WESTWARD WINDS DR NASHVILLE, TN 37221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $730 | $1K | 8.87% |
| JOHNNA B WATSON3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $742 | — | $742 | 9.19% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $806K |
| Dental | DELTA DENTAL OF TENNESSEE | 166 | $56K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 124 | $8K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $42K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.