| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SYSTEMS INC3 | PO BOX 158548 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 5.41% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC | PO BOX 158548 NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.02% |
| GROUP BENEFIT SYSTEMS INC3 | PO BOX 154548 SUITE 108 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC | PO BOX 158548 NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.97% |
| GROUP BENEFIT SYSTEMS INC3 | PO BOX 154548 SUITE 108 NASHVILLE, TN 37215 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| GROUP BENEFIT SYSTEMS INC3 | PO BOX 158548 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | — | $1K | 9.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SYSTEMS, INC EIN 62-1020448 INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 158548 NASHVILLE, TN 37215 | $73K |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $938K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $60K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 132 | $15K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $73K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.