| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $149K | — | $149K | 7.31% |
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | PRUDENTIAL | $56K | — | $56K | 20.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE, STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $144 | $144 | 0.05% |
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | AFLAC | $16K | $272 | $16K | 15.16% |
| WILSON BANK & TRUST1 | P.O. BOX 768 LEBANON, TN 370880768 | AFLAC | $3K | — | $3K | 2.59% |
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| THW INSURANCE SERVICES LLC3 | 702 CADET COURT LEBANON, TN 37087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.11% |
| HALL, BROWNIE, DALE3 | 321 WEST MAIN STREET LEBANON, TN 37087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 1.97% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 479 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 479 | $2.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 479 | $2.0M |
| Life insurance | PRUDENTIAL | 248 | $282K |
| Short-term disability | PRUDENTIAL | 248 | $282K |
| Long-term disability(3 contracts, 2 carriers) | PRUDENTIAL | 248 | $307K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL | 248 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.