| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 | 235 NORTH RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $92K | $92K | 23.82% |
| NGMS OF MEMPHIS3 | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | NATIONAL HEALTH INSURANCE COMPANY | $45K | — | $45K | 11.78% |
| LIFESTYLE HEALTH ADVISORS3 | 29 GEORGETOWN COVE JACKSON, TN 38305 | NATIONAL HEALTH INSURANCE COMPANY | $17K | — | $17K | 4.45% |
| PHCS3 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE COMPANY | — | $8K | $8K | 2.20% |
| HEALTH PARTNERS PPO3 | PO BOX 3490 JACKSON, TN 38303 | NATIONAL HEALTH INSURANCE COMPANY | — | $7K | $7K | 1.85% |
| CARE ADVOCATES3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 0.80% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $16K | — | $16K | 8.25% |
| NORTHWESTERN GROUP MARKETING3 Filed as: NORTHWESTERN GROUP MARKETING SERVIC | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | USABLE LIFE | $13K | — | $13K | 6.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $9K | — | $9K | 4.66% |
| NICOLE GOLDEN3 | 7909 CONCORD HILLS DRIVE #105 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 27.61% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $103K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $103K |
| Life insurance | USABLE LIFE | 220 | $192K |
| Short-term disability | USABLE LIFE | 220 | $192K |
| Long-term disability | USABLE LIFE | 220 | $192K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 136 | $386K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 220 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.