| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD R. HOWELL3 Filed as: EDWARD R HOWELL | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 2.48% |
| ROBERT A LEVY3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 1.36% |
| GROUP BENEFIT SYSTEM3 | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | UNION SECURITY INSURANCE COMPANY | $3K | $971 | $4K | 10.03% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.21% |
| GROUP BENEFITS SYSTEMS INC3 | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.25% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| EDWARD R. HOWELL3 Filed as: EDWARD R HOWELL | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | USABLE LIFE | $2K | — | $2K | 9.58% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $844 | $374 | $1K | 6.51% |
| ROBERT A LEVY PARADIGM GROUP3 | 1600 DIVISON STREET SUITE 220 NASHVILLE, TN 37205 | USABLE LIFE | $1K | — | $1K | 5.42% |
| GROUP BENEFIT SYSTEMS INC3 | 992 DAVIDSON DRIVE SUITE 108 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | — | $949 | 13.57% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $338 | — | $338 | 4.83% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $62 | — | $62 | 0.89% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 170 | $691K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $31K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 170 | $691K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 125 | $26K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 121 | $38K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 121 | $38K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 125 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.