| 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. | $50K | — | $50K | 6.08% |
| PARADIGN GROUP3 | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.95% |
| THW INSURANCE SERVICES LLC3 Filed as: THW INSURANCE SERVICES, LLC | 702 CADET COURT LEBANON, TN 37087 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 8.98% |
| PARADIGM GROUP3 | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $649 | — | $649 | 2.24% |
| MARIAN E HENDERSON3 Filed as: MARIAN E. HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $2K | — | $2K | 12.73% |
| WILLIAM R BROOKS3 Filed as: WILLIAM R. BROOKS | 839 MEADOW CREST WAY LEBANON, TN 37090 | AFLAC | $2K | — | $2K | 9.07% |
| THOMAS M WILLIAMSON3 Filed as: THOMAS M. WILLIAMSON | 88 ABBEY ROAD LEBANON, TN 37090 | AFLAC | $929 | — | $929 | 5.29% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $573 | — | $573 | 3.26% |
| MJ INSURANCE3 Filed as: JENNY LASATER AND VARIOUS AGENTS | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $380 | — | $380 | 2.16% |
| BROWNIE D HALL3 Filed as: BROWNIE D. HALL | 321 MAIN STREET LEBANON, TN 37087 | AFLAC | $132 | — | $132 | 0.75% |
| JAMES E CARTER3 Filed as: JAMES E. CARTER | 3032 MICHAELEAN DRIVE MURFREESBORO, TN 37128 | AFLAC | $120 | — | $120 | 0.68% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 66.59% |
| PARADIGM GROUP3 | 1600 DIVISION STREET, SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $3K | — | $3K | 66.59% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $841K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $823K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $823K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $38K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 94 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $32K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $823K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.