| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $518 | $24K | 11.25% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTONE PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.86% |
| ROBERT A LEVY3 | 1600 DIVISION STREET NASHVILLE, TN 37203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 6.87% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $803 | $5K | 4.15% |
| TANJA DUARTE3 | 609 LUTHER ROAD DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $35 | $2K | 1.45% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $21 | $561 | 0.46% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIV KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $23 | $339 | 0.28% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DRIVE CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.20% |
| CATHY M LERMAN3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.15% |
| ANIMIAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.11% |
| DLERMAN VENTURES INC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $18 | $127 | 0.10% |
| DEBBIE RENEA CUNNINGHAM3 | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.09% |
| BENEFIT ENROLLENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.09% |
| MARYLINE Z ORELLANA3 | 2949 CLIPPER COVE LANE KISSIMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.07% |
| DENNIS E TRAYWICK3 | 4701 TROUSDAE DRIVE NASHVILLE, TX 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.06% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.04% |
| WILLIAM RICHARD KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.03% |
| LALETTA SMITH3 | 118 ROSE GARDEN LANE GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| KRISTIE JANEEN HAMMONDS3 | 103 CLOVERFIELD COURT HENDERSONVILLE, TN 37075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| KEEGAN SMITH3 | 212 STABLE ROAD FRANKLIN, TN 37069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAMES ADAM FULLER3 | 1208 SPUCE SPRINGS COURT NOLENSVILLE, TN 37135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $285 | $17K | 15.26% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 9.85% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISON STREET SUITE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.01% |
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 | 561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 381 | $63K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 604 | $210K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $144K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 604 | $210K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 821 | $333K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 604 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.