| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS, INC | PO BOX 568 DICKSON, TN 37056 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ALLEN C BROWN | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $5K | — | $5K | 8.41% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $177 | $7K | 12.67% |
| BENEFITS INC3 Filed as: BENEFITS, INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.78% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 158 | $779K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 119 | $59K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $54K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $54K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $21K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.