| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BOULEVARD SUITE 410 MEMPHIS, TN 38120 | GREAT MIDWEST INSURANCE COMPANY | $27K | — | $27K | 9.89% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $956 | $10K | 13.07% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 6.78% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $476 | $10K | 17.46% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.54% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $383 | $8K | 17.20% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.46% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $1K | $90 | $2K | 12.06% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | — | $696 | $696 | 5.49% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $620 | $61 | $681 | 5.37% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $92 | $1K | 11.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | — | $613 | $613 | 5.46% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY | $525 | $85 | $610 | 6.68% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY | — | $501 | $501 | 5.48% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY | $226 | $53 | $279 | 3.05% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $774 | $72 | $846 | 12.97% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $331 | $42 | $373 | 5.72% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | — | $369 | $369 | 5.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 INSURANCE SERVICES | Insurance services Service code 23 | — | $62K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 230 | $80K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 106 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $78K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $136K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 144 | $272K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.