| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 5.25% |
| PARADIGM GROUP3 | 1600 DIVISIN STREET SUITE 220 NASHVILLE, TN 37203 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $9K | $0 | $9K | 18.22% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.99% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SITE 220 NASHVILLE, TN 37203 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 9.50% |
| THW INSURANCE SERVICES LLC3 Filed as: THW INSURANCE SERVICES, LLC | 702 CADET COURT LEBANON, TX 37087 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $607 | $0 | $607 | 2.37% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $1K | $161 | $1K | 8.39% |
| WILLIAM R BROOKS3 | 839 MEADOW CREST WAY LEBANON, TN 37090 | AFLAC | $571 | $54 | $625 | 3.64% |
| THOMAS M WILLIAMSON3 | 88 ABBEY ROAD LEBANON, TN 37090 | AFLAC | $571 | $54 | $625 | 3.64% |
| KELSEY DAVID EVERT3 Filed as: KELSEY DAVID EVERET | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $333 | $54 | $387 | 2.25% |
| JENNY LYNN LASATER3 | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $386 | $0 | $386 | 2.25% |
| BROWNIE D HALL3 | 321 WEST MAIN STREET LEBANON, TN 37088 | AFLAC | $134 | $0 | $134 | 0.78% |
| JAMES E CARTER3 | 3032 MICHALEAN DRIVE MURFREESBORO, TN 37128 | AFLAC | $120 | $0 | $120 | 0.70% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $432 | $0 | $432 | 15.02% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37203 | USABLE LIFE | $432 | $0 | $432 | 15.02% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $652K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 151 | $50K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 151 | $50K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $42K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 82 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $652K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.