| 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 | $85K | — | $85K | 2.70% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.94% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.55% |
| HERITAGE FINANCIAL GROUP LLC5 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.95% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $981 | $8K | 17.16% |
| HERITAGE FINANCIAL GROUP LLC5 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.28% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.04% |
| HERITAGE FINANCIAL GROUP LLC5 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 19.34% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $647 | $3K | 11.50% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD. STE 300 HENDERSONVILLE, TN 37075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HEALTH AND HUMAN RESOURCE CENTER5 Filed as: HEALTH & HUMAN RESOURCE CENTER INC. | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | AETNA - HEALTH & HUMAN RESOURCE CENTER | — | $23 | $23 | 100.00% |
| 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 | $85K |
| 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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 565 | $3.1M |
| Dental | STANDARD INSURANCE COMPANY | 104 | $157K |
| Vision | STANDARD INSURANCE COMPANY | 75 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $46K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.