| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | CIGNA | $76K | $2K | $78K | 11.12% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | SUN LIFE ASSURANCE CO. OF CANADA | $30K | — | $30K | 14.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 109 LAURENS ROAD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE CO. OF CANADA | — | $868 | $868 | 0.44% |
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | SUN LIFE ASSURANCE CO. OF CANADA | $119 | — | $119 | 0.06% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 7.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $864 | — | $864 | 0.57% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | HUMANA | $3K | — | $3K | 8.13% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $103 | $2K | 9.46% |
| RITTENBERG GROUP LLC3 Filed as: RITTENBERG, INC. | 91 VICTORIA PARK NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.85% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO. | $191 | — | $191 | 3.19% |
| PARADIGM GROUP4 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO. | $191 | — | $191 | 3.19% |
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. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 304 | $697K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 738 | $151K |
| Vision | HUMANA | 244 | $32K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE CO. OF CANADA | 494 | $220K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE CO. OF CANADA | 494 | $204K |
| Long-term disability | SUN LIFE ASSURANCE CO. OF CANADA | 494 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.