| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $163K | — | $163K | 4.85% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STRET SUITE 200 NASHVILLE, TN 37203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $73K | — | $73K | 2.16% |
| KERR YOUNG AND ASSOCIATES3 | 1130 CARMACK BOULEVARD COLUMBIA, TN 38401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$2K | — | -$2K | -0.06% |
| MID-STATE INSURANCE AGENCY INC3 Filed as: MID-STATE INSURANCE AGENCY | 1130 CARMACK BOULEVARD COLUMBIA, TN 38401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$7K | — | -$7K | -0.20% |
| MID-STATE INSURANCE AGENCY INC3 Filed as: MID-STATE INSURANCE AGENCY | 1130 CARMACK BOULEVARD COLUMBIA, TN 38401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$29K | — | -$29K | -0.86% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $4K | $22K | 24.14% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $16K | 19.52% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 625 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 625 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 625 | $3.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 568 | $129K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $82K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 625 | $3.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 568 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.