| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $47K | — | $47K | 5.70% |
| PARADIGN GROUP3 Filed as: PARADIGN GROUP, LLC | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.93% |
| THW INSURANCE SERVICES LLC3 Filed as: THW INSURANCE SERVICES, LLC | 702 CADET COURT LEBANON, TN 37087 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 9.36% |
| PARADIGM GROUP3 | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $617 | — | $617 | 2.34% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP, LLC | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $3K | — | $3K | 15.00% |
| THOMAS L WILLIAMSON3 Filed as: THOMAS WILLIAMSON AND OTHER AGENTS | 88 ABBEY RAOD LEBANON, TN 37090 | AFLAC | $299 | $23 | $322 | 3.98% |
| WILLIAM R BROOKS3 Filed as: WILLIAM R. BROOKS | 839 MEADOW CREST WAY LEBANON, TN 37090 | AFLAC | $160 | $11 | $171 | 2.11% |
| BROWNIE D HALL3 | 2225 LEEVILLE PIKE LEBANON, TN 37090 | AFLAC | $163 | — | $163 | 2.01% |
| MARIAN E HENDERSON3 Filed as: MARIAN HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $136 | $26 | $162 | 2.00% |
| JAMES E CARTER3 Filed as: JAMES E. CARTER | 3032 MICHALEAN DRIVE MURFREESBORO, TN 37128 | AFLAC | $146 | — | $146 | 1.80% |
| JENNY LYNN LASATER3 | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $143 | — | $143 | 1.77% |
| SEWELL AND ASSOCIATES INC3 Filed as: SEWELL AND ASSOCIATES, INC. | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $119 | — | $119 | 1.47% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $832K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $832K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $832K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $50K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 140 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $31K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $832K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.