| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN S SMITH3 Filed as: KEVIN SMITH | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $108K | — | $108K | 5.67% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $623 | $13K | 15.76% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.16% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.12% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 101.93% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | $0 | $232 | 3.70% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DRIVE STE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 1.58% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | $0 | $154 | 13.41% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208 | $0 | $208 | 40.86% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DRIVE, SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 8.25% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DRIVE STE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 7.47% |
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 | 390 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 390 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 390 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 390 | $1.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $82K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 127 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.