| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $79K | — | $79K | 2.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 840 CRESCENT CENTRE DRIVE STE 300 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $25K | — | $25K | 0.84% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BLVD # 410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $12K | $52K | 12.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 840 CRESCENT CENTRE DR STE 300 FRANKLIN, TN 37067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 5.32% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.26% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BLVD # 410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 11.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 840 CRESCENT CENTRE DR STE 300 FRANKLIN, TN 37067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.16% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $270 | $270 | 0.23% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BLVD # 410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 840 CRESCENT CENTRE DR STE 300 FRANKLIN, TN 37067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.92% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BLVD # 410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $846 | $4K | 12.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 840 CRESCENT CENTRE DR STE 300 FRANKLIN, TN 37067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.34% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73 | $73 | 0.23% |
| TIMOTHY J FINNELL, CLU, CHFC3 | 3400 PLAYERS CLUB PARKWAY STE 110 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 116 20TH AVE S NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $752 | — | $752 | 6.09% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 351 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 351 | $3.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 351 | $3.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 455 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $117K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 443 | $417K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 351 | $3.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 455 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
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.