| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | UNITED HEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 4.97% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 14.20% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 10.66% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 17.57% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | — | $28 | $28 | 0.08% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $642 | — | $642 | 10.99% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $743 | — | $743 | 14.99% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $677K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $38K |
| Other(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 228 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.