| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $104K | — | $104K | 16.29% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 17.49% |
| BENEFITS INC | PO BOX 568 DICKSON, TN 37056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.86% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $693 | $3K | 12.51% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $632 | $5K | 17.35% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $446 | $4K | 22.43% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $341 | $3K | 22.34% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $298 | $3K | 22.54% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $86 | $1K | 16.07% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | $17 | $558 | 11.34% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $319 | $54 | $373 | 17.53% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $636K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $87K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $87K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $46K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $95K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 41 | $27K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $64K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.