| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE BENEFITS, LLC | 9019 OVERLOOK BLVD., SUITE C-1A BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $56K | $59K | 5.99% |
| EMPLOYEE BENEFITS LLC3 | 9019 OVERLOOK BLVD., SUITE C-1A BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $677 | — | $677 | 6.49% |
| LANGFORD, BRADLEY L3 | 408 CHESTERFIELD PL FRANKLIN, TN 37064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286 | — | $286 | 2.74% |
| DARNELL, FREDRICK M3 | 9045 CAROTHERS PKWY FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286 | — | $286 | 2.74% |
| JEFFERSON, TIMOTHY F3 | 2421 DARKS MILL RD COLUMBIA, TN 38401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286 | — | $286 | 2.74% |
| MIRANDA, RAUL E3 | 9045 CAROTHER PKWY, SUITE 301 FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286 | — | $286 | 2.74% |
| EMPLOYEE BENEFITS LLC3 | 9019 OVERLOOK BLVD., SUITE C-1A BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143 | — | $143 | 3.70% |
| LANGFORD, BRADLEY L3 | 408 CHESTERFIELD PL FRANKLIN, TN 37064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 3.39% |
| DARNELL, FREDRICK M3 | 9045 CAROTHERS PKWY FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 2.82% |
| JEFFERSON, TIMOTHY F3 | 2421 DARKS MILL RD COLUMBIA, TN 38401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 2.82% |
| MIRANDA, RAUL E3 | 9045 CAROTHER PKWY, SUITE 301 FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 2.25% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $989K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $989K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $989K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.