| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SYSTEMS INC3 Filed as: GROUP BENEFIT SYSTEMS INC. | 4717 GRANNY WHITE PIKE NASHVILLE, TN 37220 | MUTUAL OF OMAHA | $9K | — | $9K | 7.52% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA | $0 | $2K | $2K | 1.61% |
| GROUP BENEFIT SYSTEMS INC3 | 4717 GRANNY WHITE PIKE NASHVILLE, TN 37220 | UNUM | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SYSTEMS, INC. EIN 62-1020448 BROKER | Insurance agents and brokers Service code 22 | 4717 GRANNY WHITE PIKE NASHVILLE, TN 37220 | $80K |
| LUCENT HEALTH SOLUTIONS, LLC EIN 39-1997579 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $63K |
| NARUS HEALTH INC. EIN 47-1929604 MEMBER SERVICES | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $31K |
| MULTIPLAN INC. EIN 13-3068979 CLAIM NEG./PLAN NETWORK | Other fees Service code 99 | PO BOX 29372 NEW YORK, NY 10087 | $27K |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUS AMERICA INSURANCE COMPANY | 164 | $233K |
| Life insurance | MUTUAL OF OMAHA | 167 | $114K |
| Long-term disability | MUTUAL OF OMAHA | 167 | $114K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 164 | $233K |
| Other | UNUM | 168 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
No prospect flags tripped on this filing.