| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK SILBERMAN (SILBERMAN GROUP)3 | 109 LINDEN STREET LOOKOUT MOUNTAIN, TN 37350 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22K | — | $22K | 6.29% |
| SILBERMAN GROUP LLC3 Filed as: THE SILBERMAN GROUP | 109 LINDEN ST LOOKOUT MOUNTAIN, TN 373501316 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 13.97% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 292012939 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $13 | $5K | 4.67% |
| JACK SILBERMAN (SILBERMAN GROUP)3 | 109 LINDEN ST LOOKOUT MOUNTAIN, TN 373501316 | TELADOC HEALTH, INC. | $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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 191 | $344K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 191 | $344K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 191 | $344K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $104K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $104K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $104K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 191 | $344K |
| Other | TELADOC HEALTH, INC. | 200 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.