| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY J. FINNELL3 Filed as: TIMOTHY J FINNELL | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE,INC. | $47K | — | $47K | 5.29% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 9.22% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.91% |
| GROUP BENEFITS LTD5 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $852 | $852 | 4.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $229 | $229 | 1.31% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $967 | $4K | 20.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $215 | $215 | 1.24% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $484 | $2K | 20.13% |
| GROUP BENEFITS LTD5 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $944 | $944 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $108 | $108 | 1.14% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $548 | $2K | 21.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $122 | $122 | 1.35% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $972 | $353 | $1K | 20.46% |
| GROUP BENEFITS LTD5 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $648 | $648 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $78 | $78 | 1.20% |
| GROUP BENEFITS LTD5 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $243 | $852 | $1K | 67.68% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $94 | $94 | 5.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21 | $21 | 1.30% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE,INC. | 186 | $895K |
| Dental | DELTA DENTAL OF TENNESSEE | 203 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $9K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.