| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK B TURNER3 Filed as: JACK B TURNER & ASSOCIATES INC. | 101 MAIN STREET CLARKSVILLE, TN 37041 | GUARDIAN INSURANCE | $12K | $159K | $171K | 107.76% |
| JACK B TURNER3 Filed as: JACK B TURNER & ASSOCIATES INC | 101 MAIN STREET CLARKSVILLE, TN 37041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $138K | $156K | 113.17% |
| JACK B TURNER3 Filed as: JACK B TURNER & ASSOCIATES INC | 101 MAIN STREET CLARKSVILLE, TN 37041 | DELTA DENTAL PLAN OF TENNESSEE | $7K | $118K | $125K | 106.00% |
| JACK B TURNER3 Filed as: JACK B TURNER & ASSOCIATES INC | 201 MAIN STREET CLARKSVILLE, TN 37041 | BLUE CROSS BLLUE SHIELD OF TENNESSEE | $60K | $1.5M | $1.6M | — |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLLUE SHIELD OF TENNESSEE | 472 | $0 |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 477 | $118K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 257 | $297K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.