| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN A ANDERSON3 Filed as: STEPHEN F BOTTS, SR. | 100 BLUEGRASS COMMONS BLVD SUITE 300 HENDERSONVILLE, TN 37075 | BLUECROSS BLUESHIELD OF TENNESSE, INC. | $103K | — | $103K | 3.07% |
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSE, INC. | $32K | — | $32K | 0.96% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BOULEVARD #300 HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 9.81% |
| PARADIGM GROUP3 | 1600 DIVISION STREET #220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.19% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BOULEVARD #300 HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 9.82% |
| PARADIGM GROUP3 | 1600 DIVISION STREET #220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.18% |
| HERITAGE FINANCIAL GROUP LLC3 Filed as: HERITAGE FINANCIAL GROUP | 100 BLUEGRASS COMMONS BOULEVARD #300 HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.86% |
| PARADIGM GROUP3 | 1600 DIVISION STREET #220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.14% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BOULEVARD SUITE 300 HENDERSONVILLE, TN 37075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.29% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $87 | $2K | 2.81% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BOULEVARD #300 HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 26.49% |
| PARADIGM GROUP3 | 1600 DIVISION STREET #220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BOULEVARD #300 HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.78% |
| PARADIGM GROUP3 | 1600 DIVISION STREET #220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $893 | — | $893 | 5.22% |
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 | 638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSE, INC. | 976 | $3.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSE, INC. | 976 | $3.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSE, INC. | 976 | $3.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $158K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $171K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.
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.