| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK B TURNER3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $52K | — | $52K | 3.46% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $10K | $48K | 13.72% |
| JACK B TURNER3 Filed as: JACK B TURNER & ASSOC. INC | PO BOX 627 CLARKSVILLE, TN 37041 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 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 | 617 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 584 | $1.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 617 | $156K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $351K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $351K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $351K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $351K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.