| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY C. LYNCH3 Filed as: JEFFREY C LYNCH | 783 OLD HICKORY BLVD, STE 201 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108K | — | $108K | 7.00% |
| JEFFREY C. LYNCH | 783 OLD HICKORY BLVD SUITE 201 BRENTWOOD, TN 37027 | GUARDIAN | $16K | — | $16K | 1.68% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY C LYNCH | 783 OLD HICKORY BLVD, STE 201 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 7.00% |
| VARIOUS3 | SEE ATTACHED BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67K | $7K | $74K | 16.07% |
| JEFFREY C. LYNCH | 783 OLD HICKORY BLVD STE. 353 BRENTWOOD, TN 370274508 | VISION SERVICE PLAN | $4K | — | $4K | 1.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $1.0M | $1.0M | 465.07% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 786 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | $35K | — | $35K | 15.99% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 786 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | $31K | — | $31K | 14.30% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY C LYNCH | 783 OLD HICKORY BLVD, STE 201 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.00% |
| VARIOUS3 | SEE ATTACHED BRENTWOOD, TN 37027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $426 | $5 | $431 | 10.02% |
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 | 4,156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 4,156 | $218K |
| Dental | GUARDIAN | 1,863 | $971K |
| Vision | VISION SERVICE PLAN | 1,803 | $251K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,983 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,462 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,462 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,983 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,156 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.