| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR. STE 216 NASHVILLE, TN 37211 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DRIVE SUITE 216 NASHVILLE, TN 37211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.00% |
| 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 | $2K | — | $2K | 10.00% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | ALLSTATE BENEFITS | $698 | — | $698 | 4.38% |
| LINDA BOW3 | 74 WATERSIDE TRAIL SCOTTSVILLE, KY 42164 | ALLSTATE BENEFITS | $220 | — | $220 | 1.38% |
| CORPORATE BENEFIT ANALYSTS, INC.3 | 3343 PERIMETER HILL DR., STE. 216 NASHVILLE, TN 37211 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $571 | — | $571 | 10.08% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $21K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 68 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $41K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 52 | $17K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $41K |
| Stop-loss / reinsurancereinsurance | BRM SPECIALTY MARKETS, LLC | 74 | $200K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 120 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
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.