| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 Filed as: ROBERT DUGAN | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $50K | — | $50K | 5.03% |
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 0.51% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | STANDARD INSURANCE COMPANY | $10K | $553 | $10K | 14.48% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | STANDARD INSURANCE COMPANY | $7K | $385 | $7K | 14.50% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.71% |
| PARADIGM GROUP3 | 1800 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | STANDARD INSURANCE COMPANY | — | $332 | $332 | 0.79% |
| PARADIGM GROUP3 | 1600 DIVISION STREET STE 220 NASHVILLE, TN 37203 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $99 | $2K | 13.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1260 S CAPITAL OF TX HWY STE 125 AUSTIN, TN 78446 | PRINCIPAL LIFE INSURANCE COMPANY | $629 | — | $629 | 4.98% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 271 | $997K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 271 | $997K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 271 | $997K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $70K |
| Short-term disability | STANDARD INSURANCE COMPANY | 109 | $42K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 111 | $61K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 159 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.