| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BH GROUP TN LLC3 | 2718 W END AVE #126-281 NASHVILLE, TN 37212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 15.21% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PEACHTREE PLANNING OF TENNESSEE | 9019 OVERLOOK BD #D1 BRENTWOOD, TN 32027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $552 | $0 | $552 | 0.40% |
| BERNARD HEALTH LLC3 Filed as: BERNARD HEALTH | 1900 CHURCH AVE NASHVILLE, TN 37203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $72 | $72 | 12.79% |
| BERNARD HEALTH LLC3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $61 | $0 | $61 | 10.83% |
| BERNARD HEALTH LLC3 | 618 CHURCH STREET STE 310 NASHVILLE, TN 37219 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | -$4 | $0 | -$4 | -0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BH PREFERRED, LLC BROKER | Insurance agents and brokers Service code 22 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | $40K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $23K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $138K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $138K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $138K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $138K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUMHEALTH (UNIMERICA INSURANCE COMPANY) | 110 | $251K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.