| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS LLC3 | 1749 MALLORY LANE SUITE 303 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $50K | $53K | 6.00% |
| EMPLOYEE BENEFITS LLC3 | 1749 MALLORY LANE SUITE 303 BRENTWOOD, TN 37027 | CIGNA HEALTHCARE OF TENNESSEE, INC. | $0 | $22K | $22K | 6.00% |
| EMPLOYEE BENEFITS LLC3 | 1749 MALLORY LN SUITE 303 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| EMPLOYEE BENEFITS LLC3 | 1749 MALLORY LN SUITE 303 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 13.72% |
| EMPLOYEE BENEFITS LLC3 | 9019 OVERLOOK BLVD., SUITE C1-A BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $993 | $0 | $993 | 14.99% |
| EMPLOYEE BENEFITS LLC3 | 9019 OVERLOOK BLVD., SUITE C1-A BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $696 | $0 | $696 | 15.01% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 74 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 74 | $887K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 74 | $887K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $32K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 97 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.