| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN S SMITH3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $112K | — | $112K | 5.66% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.15% |
| BENEFITS INC | PO BOX 568 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 15.02% |
| BENEFITS INC | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 0.34% |
| JEFFREY C. LYNCH Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.12% |
| BENEFITS INC | PO BOX 568 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | — | $251 | 7.18% |
| JEFFREY C. LYNCH Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DRIVE SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE STE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.92% |
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 | 422 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 422 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 422 | $2.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 422 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $88K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 126 | $79K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 126 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.