| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK B TURNER3 Filed as: JACK B. TURNER & ASSOCIATES, INC. | 201 MAIN STREET CLARKSVILLE, TN 37041 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $46K | — | $46K | 3.81% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | P.O. BOX 568 DICKSON, TN 37056 | GUARDIAN INSURANCE | $13K | $5K | $18K | 10.13% |
| JOHN SCHNEIDER3 Filed as: JOHN E. DANIELEY | PO BOX 50115 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.11% |
| JACK B TURNER3 Filed as: JACK B. TURNER & ASSOCIATES, INC. | PO BOX 627 CLARKSVILLE, TN 37041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.60% |
| JACK B TURNER3 Filed as: JACK B. TURNER & ASSOCIATES, INC. | PO BOX 627 CLARKSVILLE, TN 37041 | DELTA DENTAL PLAN OF TENNESSEE | $8K | — | $8K | 6.00% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 471 | $1.2M |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 508 | $131K |
| Vision | GUARDIAN INSURANCE | 266 | $174K |
| Life insurance | GUARDIAN INSURANCE | 266 | $174K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $147K |
| Other | GUARDIAN INSURANCE | 266 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.