| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS, LLC | 5250 VIRGINIA WAY, SUITE 200 BRENTWOOD, TN 37024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $232K | — | $232K | 1.62% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.81% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.41% |
| LBMC EMPLOYMENT PARTNERS3 | P.O. BOX 5164 BRENTWOOD, TN 37024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 1,851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,794 | $14.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,794 | $14.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,794 | $14.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,554 | $198K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $91K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,554 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,794 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.