| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.59% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 11.13% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| HERITAGE FINANCIAL GROUP LLC5 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.02% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| HERITAGE FINANCIAL GROUP LLC5 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.39% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.23% |
| HERITAGE FINANCIAL GROUP LLC5 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 20.11% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HERITAGE FINANCIAL GROUP LLC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | $94K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $9K |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 550 | $2.7M |
| Dental | STANDARD INSURANCE COMPANY | 308 | $170K |
| Vision | STANDARD INSURANCE COMPANY | 236 | $31K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 415 | $183K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 179 | $128K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 415 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.