| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $19K | — | $19K | 6.23% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | UNITED HEALTHCARE INSURANCE COMPANY | $443 | $14K | $14K | 6.15% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $318 | $6K | 10.55% |
| PEACHTREE PLANNING OF GEORGIA | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 0.11% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $726 | $5K | 17.49% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $630 | $5K | 17.32% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $392 | $3K | 17.44% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $238 | $3K | 37.22% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $199 | $3K | 38.09% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $667 | $95 | $762 | 22.83% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $384 | $70 | $454 | 17.73% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 137 | $531K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $58K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $58K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $27K |
| Other(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.