| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNITED HEALTHCARE INSURANCE COMPANY | $85K | $5K | $90K | 3.27% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $15K | — | $15K | 10.00% |
| PARADIGM GROUP3 | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INS COMPANY (STD) | $13K | — | $13K | 15.00% |
| PARADIGM GROUP3 | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INS COMPANY (LTD) | $8K | — | $8K | 15.00% |
| PARADIGM GROUP3 | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INS COMPANY (VOL LIFE) | $7K | — | $7K | 15.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | HUMANA | $3K | — | $3K | 8.12% |
| PARADIGM GROUP3 | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INS COMPANY (AD&D/LIFE) | $4K | — | $4K | 15.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 3.14% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 3.14% |
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 | 374 | 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) | UNITED HEALTHCARE INSURANCE COMPANY | 569 | $2.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 588 | $150K |
| Vision | HUMANA | 244 | $32K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INS COMPANY (VOL LIFE) | 487 | $75K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INS COMPANY (STD) | 487 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INS COMPANY (LTD) | 487 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.