| 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 | $106K | — | $106K | 2.52% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 8125 SEDGWICK WAY MEMPHIS, TN 38125 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $76K | $76K | 1.81% |
| JEFFREY C. LYNCH | 783 OLD HICKORY BLVD SUITE 201 BRENTWOOD, TN 37027 | GUARDIAN | $20K | — | $20K | 1.52% |
| VARIOUS3 | SEE ATTACHED BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94K | — | $94K | 15.29% |
| VARIOUS5 | SEE ATTACHED NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 0.88% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $1.6M | $1.6M | 404.95% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 783 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | $77K | — | $77K | 19.97% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY LYNCH | 786 OLD HICKORY BLVD STE 353 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | — | — | $0 | 0.00% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BLVD STE. 353 BRENTWOOD, TN 370274508 | VISION SERVICE PLAN | $5K | — | $5K | 1.58% |
| VARIOUS | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 25.50% |
| VARIOUS | — | THE PAUL REVERE LIFE INSURANCE COMPANY | — | $3 | $3 | 0.05% |
| 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 | $1.6M |
| WAGEWORKS, INC. EIN 94-3351864 CONTRACT ADMINISTRATION | Other commissions Service code 55 | PO BOX 14053 LEXINGTON, TN 40512 | $18K |
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 | 5,158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 5,158 | $383K |
| Dental | GUARDIAN | 2,616 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,472 | $343K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,673 | $4.8M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,673 | $4.2M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,673 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,158 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.