| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BOULEVARD, SUITE 410 MEMPHIS, TN 38120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $47K | $0 | $47K | 3.48% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BOULEVARD, SUITE 410 MEMPHIS, TN 38120 | SUN LIFE ASSURANCE COMPANY OF CANADA | $66K | $0 | $66K | 15.00% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $178 | $178 | 0.04% |
| TIMOTHY J. FINNELL3 | 855 RIDGE LAKE BOULEVARD, SUITE 410 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $11K | $0 | $11K | 6.87% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BOULEVARD, SUITE 410 MEMPHIS, TN 38120 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 15.00% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $30 | $30 | 0.03% |
| TIMOTHY J. FINNELL3 | 3400 PLAYERS CLUB PARKWAY SUITE 110 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.71% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BOULEVARD, SUITE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.96% |
| FINNELL/MCMANUS INC3 | UNKNOWN MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $707 | $0 | $707 | 1.51% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 477 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 477 | $157K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $546K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $546K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $546K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 477 | $1.5M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.