| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN S SMITH3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $143K | — | $143K | 5.15% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $8K | $34K | 17.98% |
| BENEFITS INC Filed as: BENEFITS INC. | PO BOX 568 DICKSON, TN 37056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 19.56% |
| ANDREW JEFFREY | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.11% |
| BENEFITS INC | PO BOX 568 DICKSON, TN 37056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $501 | — | $501 | 14.93% |
| ANDREWS JEFFREY | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 1.04% |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 311 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 311 | $2.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 311 | $2.8M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 561 | $189K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 561 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.