| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $36K | $36K | 5.09% |
| BENEFITS INC Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.90% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.82% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.45% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $832 | $3K | 13.44% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $783 | $4K | 16.78% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $582 | $2K | 13.09% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $649 | $234 | $883 | 14.95% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $849 | $198 | $1K | 18.50% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 150 | $707K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $70K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $70K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $43K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $23K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 381 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.