| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR., STE. 216 NASHVILLE, TN 37211 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $30K | — | $30K | 6.33% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR., STE 216 NASHVILLE, TN 37211 | GULF GUARANTY LIFE INSURANCE COMPANY | $13K | — | $13K | 17.50% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR. STE 216 NASHVILLE, TN 37211 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 15.00% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR., STE. 216 NASHVILLE, TN 37211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| LINDA BOW3 Filed as: LINDA G BOW | 74 WATERSIDE TRAIL SCOTTSVILLE, KY 42164 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR., SUITE 216 NASHVILLE, TN 37211 | ALLSTATE BENEFITS | $1K | — | $1K | 6.84% |
| LINDA BOW3 | 74 WATERSIDE TRAIL SCOTTSVILLE, KY 42164 | ALLSTATE BENEFITS | $883 | — | $883 | 5.58% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | ALLSTATE BENEFITS | $469 | — | $469 | 2.96% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DRIVE SUITE 216 NASHVILLE, TN 37211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.79% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 87 | $476K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 68 | $15K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 87 | $476K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 160 | $35K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $35K |
| Other(4 contracts, 4 carriers) | GULF GUARANTY LIFE INSURANCE COMPANY | 160 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.