| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TREVOR COE3 | 8122 SAWYER BROWN ROAD, SUITE 206 NASHVILLE, TN 37221 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $49K | $0 | $49K | 3.23% |
| TREVOR COE3 | 8122 SAWYER BROWN ROAD, SUITE 206 NASHVILLE, TN 37221 | BLUE CROSS BLUE SHIELD ASSOCIATION | $29K | $0 | $29K | 12.96% |
| LEVINE GROUP LLC3 Filed as: LEVINE GROUP, LLC | 5141 VIRGINIA WAY, SUITE 370 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT INSURANCE | $13K | $0 | $13K | 13.17% |
| LEVINE GROUP LLC3 Filed as: LEVINE GROUP, LLC | 5141 VIRGINIA WAY, SUITE 370 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 13.38% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ASSOCIATION | 588 | $224K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 600 | $1.5M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE | 327 | $143K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE | 327 | $143K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE | 327 | $143K |
| Prescription drug | BLUE CROSS BLUE SHIELD ASSOCIATION | 588 | $224K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE | 327 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.