| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS, INC. | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | BLUECROSS BLUESHEILD | $50K | — | $50K | 4.58% |
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS INC. | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | MUTUAL OF OMAHA | $14K | — | $14K | 15.00% |
| GROUP BENEFIT SYSTEMS INC3 | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE TN, TN 37205 | UNUM | $3K | — | $3K | 10.00% |
| GROUP BENEFIT SYSTEMS INC3 | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.88% |
| PHILLIP N WHITE3 Filed as: PHILLIP N. WHITE | 3038 LEAFMORE DR. COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | — | $682 | 2.67% |
| JIMMY MESSICK JR3 Filed as: JIMMY C. MESSICK JR. | 2611 BLALOCK CR PHENIX CITY, AL 36867 | CONTINENTAL AMERICAN INSURANCE COMPANY | $474 | — | $474 | 1.85% |
| JOSEPH A. TOMES3 | 253 LEE ROAD 2105 PHENIX CITY, AL 36870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $388 | — | $388 | 1.52% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVE. SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $294 | — | $294 | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS, LLC EIN 47-1931003 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $34K |
| GROUP BENEFIT SYSTEMS, INC. EIN 62-1020448 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | $26K |
| HS TECHNOLOGY SOLUTIONS EIN 27-1818972 CLAIM NEGOTIATOR | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $8K |
| NARUS HEALTH INC. EIN 47-1929604 MEMBER SERVICES | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $4K |
| MULTIPLAN, INC EIN 39-1634080 PLAN NETWORK | Other fees Service code 99 | PO BOX 29380 NEW YORT, NY 10087 | $3K |
| LUCENT HEALTH CARE MANAGEMENT EIN 47-1929604 CARE MANAGEMENT | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $3K |
| THE PHIA GROUP, LLC EIN 04-3504115 PLAN CONSULTANT | Other fees Service code 99 | 163 BAY STATE DRIVE BRAINTREE, MA 02184 | $1K |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHEILD | 147 | $1.2M |
| Life insurance | MUTUAL OF OMAHA | 147 | $92K |
| Long-term disability | MUTUAL OF OMAHA | 147 | $92K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 147 | $132K |
| Other(2 contracts, 2 carriers) | UNUM | 147 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.