| 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. | $43K | — | $43K | 5.67% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 10.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $62 | $3K | 15.29% |
| 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 | 4.03% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $54 | $54 | 0.26% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $57 | $3K | 15.29% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $491 | $491 | 2.49% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $38 | $2K | 15.34% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $32 | $32 | 0.28% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $29 | $2K | 15.29% |
| GROUP BENEFITS LTD5 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $989 | $989 | 9.99% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $25 | $25 | 0.25% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $21 | $1K | 15.29% |
| GROUP BENEFITS LTD5 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $724 | $724 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $18 | $18 | 0.25% |
| 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 | 44.15% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $289 | $6 | $295 | 15.28% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5 | $5 | 0.26% |
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 | 549 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE,INC. | 177 | $765K |
| Dental | DELTA DENTAL OF TENNESSEE | 197 | $59K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $11K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.