| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC | 110 MATHIS DR, STE 106 DICKSON, TN 37056 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 7.79% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| BENEFITS INC Filed as: BENEFITS INC. | 110 MATHIS DR, STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 16.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| BENEFITS INC | 110 MATHIS DR, STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, TN 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| BENEFITS INC Filed as: BENEFITS INC. | 110 MATHIS DR, STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, TN 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $436 | $436 | 5.00% |
| BENEFITS INC | 110 MATHIS DR, STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $903 | — | $903 | 15.01% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, TN 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $301 | $301 | 5.00% |
| BENEFITS INC | 110 MATHIS DR., STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 199.88% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $171 | $171 | 5.01% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $163 | $163 | 4.99% |
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 | 80 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 71 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 76 | $65K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 76 | $65K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $51K |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.