| 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 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JEFFREY C. LYNCH | 783 OLD HICKORY BLVD SUITE 201 BRENTWOOD, TN 37027 | GUARDIAN | $17K | — | $17K | 1.64% |
| VARIOUS3 | SEE ATTACHED BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68K | $10K | $78K | 16.18% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $1.2M | $1.2M | 408.44% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 786 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | $59K | — | $59K | 20.83% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 786 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | $38K | — | $38K | 13.29% |
| JEFFREY C. LYNCH | 783 OLD HICKORY BLVD STE. 353 BRENTWOOD, TN 370274508 | VISION SERVICE PLAN | $5K | — | $5K | 1.81% |
| VARIOUS3 | SEE ATTACHED BRENTWOOD, TN 37027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $244 | — | $244 | 6.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESEE IN EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $1.2M |
| WAGEWORKS, INC. EIN 94-3351864 CONTRACT ADMINISTRATION | Other commissions Service code 55 | PO BOX 14053 LEXINGTON, TN 40512 | $27K |
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 | 4,536 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 4,536 | $284K |
| Dental | GUARDIAN | 2,147 | $1.0M |
| Vision | VISION SERVICE PLAN | 2,030 | $271K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,204 | $3.5M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,204 | $3.0M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,204 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,536 | — |
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.