| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $50K | $0 | $50K | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 16.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $965 | $965 | 1.39% |
| H BRIAN GIBSON3 Filed as: H. BRIAN GIBSON AND OTHER AGENTS | 8075 SAWYER BROWN ROAD APARTMENT 208 NASHVILLE, TN 37221 | AFLAC | $250 | $88 | $338 | 5.29% |
| JAIME HUTTON3 Filed as: JAIME M. HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $146 | $128 | $274 | 4.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $138 | $0 | $138 | 2.16% |
| DWIGHT A. WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $124 | $0 | $124 | 1.94% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 240 WILSON PIKE CIRCLE, SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $74 | $0 | $74 | 1.16% |
| AUTUMN BETHEA3 | 1053 MUNA COURT SPRING HILL, TN 37174 | AFLAC | $47 | $0 | $47 | 0.73% |
| ROBERT VINCENT3 Filed as: ROBERT MICHAEL PASSONS | 2122B SHARONDALE DRIVE NASHVILLE, TN 37215 | AFLAC | $34 | — | $34 | 0.53% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 220 | $981K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 220 | $981K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 220 | $981K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $69K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 220 | $981K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.