| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANYE EMERY3 | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELOD OF TENNESSEE, INC. | $32K | — | $32K | 6.51% |
| RICHARD GIRDLER3 | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELOD OF TENNESSEE, INC. | $2K | — | $2K | 0.37% |
| IGAEB, LLC3 | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.46% |
| IGAEB, LLC3 | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | GUARDIAN | $4K | — | $4K | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $2K | — | $2K | 5.00% |
| THE CASON GROUP INC Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 15.98% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA, LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 9.72% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA, LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $703 | — | $703 | 9.70% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $528 | — | $528 | 7.29% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA, LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72K | — | $72K | 1032.08% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $717 | — | $717 | 10.32% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA, LLC | 6640 CAROTHERS PKWY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 8.41% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 5.88% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELOD OF TENNESSEE, INC. | 66 | $498K |
| Dental | GUARDIAN | 77 | $38K |
| Vision | GUARDIAN | 77 | $38K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $72K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $72K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $72K |
| Other(5 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.