| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W BOSTON3 Filed as: THOMAS A DAMPF | 501 UNION STREET SUITE 400, PRIVATE MAILBOX 2071 NASHVILLE, TN 37219 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $15K | $15K | 8.82% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 SOUTH UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 SOUTH UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 SOUTH UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 SOUTH UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| TAD BENEFITS LLC3 | 501 UNION STREET SUITE 400, PMB 2071 NASHVILLE, TN 37219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.03% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 SOUTH UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $941 | $941 | 5.00% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 SOUTH UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $703 | — | $703 | 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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 198 | $167K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 198 | $167K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $25K |
| Stop-loss / reinsurancereinsurance(2 contracts) | GREAT MIDWEST INSURANCE COMPANY | 181 | $960K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.