| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN S SMITH3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $158K | — | $158K | 6.09% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 16.56% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.21% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD | 3011 ARMORY DR SUITE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.09% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | — | $328 | 9.00% |
| JEFFREY C. LYNCH Filed as: JEFFREY P ANDREWS | 7003 CHADWICK DR SUITE 110 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.96% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 331 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 331 | $2.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 331 | $2.6M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $134K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 149 | $88K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 149 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.