| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD R. HOWELL3 Filed as: EDWARD R HOWELL | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $9K | $0 | $9K | 0.34% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $1K | $16K | 10.54% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 18.89% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 1129 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 9.83% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $858 | $7K | 19.05% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 9.81% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $9K | $409 | $9K | 31.37% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $9K | $332 | $9K | 31.10% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 5.45% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $496 | $3K | 10.76% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $991 | $2K | 8.07% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $6K | $262 | $6K | 31.55% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $5K | $212 | $5K | 25.77% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 5.47% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 38120 | UNUM INSURANCE COMPANY | $5K | $249 | $5K | 28.56% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $5K | $199 | $5K | 28.28% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $962 | $0 | $962 | 5.42% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 668 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $148K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 306 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $61K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $54K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.