| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS, INC. | PO BOX 568 DICKSON, TN 370560568 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $51K | $51K | 5.26% |
| JOHNNA B WATSON3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 8.73% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE, STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.43% |
| BENEFITS INC3 | 110 MATHIS DRIVE, STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.92% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.92% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE #106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $580 | $211 | $791 | 15.02% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE #106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $672 | $179 | $851 | 19.00% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE #106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $620 | — | $620 | 15.00% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE #106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $543 | — | $543 | 15.00% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 110 MATHIS DRIVE #106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34 | — | $34 | 14.91% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $979K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $47K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $47K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $58K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $42K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $41K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.