| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $210K | $72K | $282K | 6.97% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES3 | UNKNOWN MURFREESBORO, TN 37129 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $33K | $33K | 0.82% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 1.54% |
| JEFFREY C. LYNCH3 | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.44% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY CLAY LYNCH | 783 OLD HICKORY BOULEVARD SUITE 353 BRENTWOOD, TN 37027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $190 | $0 | $190 | 4.27% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | $0 | $55 | 1.24% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES, LLC | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.65% |
| ZEBEST INC3 Filed as: ZEBEST, INC. | 3 GORING PLACE WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.45% |
| RONALD MARTIN BILDSTEIN3 Filed as: RONALD M. BILDSTEIN & OTHER AGENTS | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.09% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
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 | 4,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,638 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,254 | $411K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,637 | $4.0M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,637 | $4.0M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,637 | $4.0M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,637 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,638 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.