HOSPITALITY AMERICA INC

Formerly BLUECROSS BLUESHIELD OF TENNESSEE · PROGRESSIVE TECHNOLOGIES, INC. · FIRST NATIONAL BANK OF PULASKI

EIN 62-0427913 · TN · Hospitality / Food Service

Compensation disclosed9 brokers of record, 2017–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $9,4762024 · analysis: $500,0722023: $347,6322022: $294,8602021: $276,3372019: $70,1212018: $59,0622017: $56,379

Benchmarked against: All industries · 2,501–10,000 employees · all industries at this size, nationwide · n=2,304 employers (your plan plus 2,303 peers)

Fewer than the minimum (10) hospitality / food service employers of this size had broker pay on file, so the comparison widens to all industries at this size. The 2,304 figure is not hospitality / food service companies — it's every sector at your employee-size band, nationwide.

6,388

(2024)

Fully insured

Funding

$500,072

Broker pay, employer-paid lines (2024)

$6.52

2024 · 50th pct vs peers · n=2304

Lines disclosed: Life · Long-term disability

Broker pay as a share of insured premium: 7.3% (peer median 7.5%, 48th percentile).

Without the 7 low-disclosure peers, this plan is at the 39th percentile of 34 comparable plans (your plan plus 33 peers).

Employer-paid $500,072 benchmarked for 2024 · Voluntary $183,806 shown separately, compared by rate only

Showing 2024, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2024?

The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Only a smaller plan has filed for 2025 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. 2025 broker pay on file so far totals $9,476 across all lines, about 99% less than the $683,878 for 2024. Rows for 2025 stay in the broker history and stay out of the headline and the peer comparison.

Broker commission rate by benefit line

What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: same region, similar covered lives. Full table below. How the national rates are built.

Life

8.7%

Peer median 6.4%

Within peer range

Long-term disability

3.9%

Peer median 5.8%

Within peer range

Medical

5.2%

Peer median 4.7%

Within peer range

Voluntary / worksite

8.8%

Peer median 20.0%

Below peer range

Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Dental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.

This page shows what was filed. The report shows what it means.

What the gap is worth — the dollar difference vs. peer median, including a 3-year view
The current structure compared against levels comparable plans actually reported
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Where the $683,878 across all lines goes

Each broker and each benefit line, in dollars

How much broker pay rides inside the premium

Base commission against bonuses and other carrier payments, all funded through premium

Whether this number is drifting

Compensation across every filed year, against the peer median

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Benefits covered (latest filing)

HealthStop-loss

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Broker history

Benefit lines covered by year — broker identity limited on public pages

Year:

The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet. The analysis year is 2024, the latest year that is complete and benchmarked.

Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.

Commission rates by benefit line

Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.

Analysis year 2024 — the same year as the headline figure and per-participant rate above. The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet.

Benefit line	Contract	Rate	vs. peers	Position
Life	Life Insurance Company of North America	8.7%	med 6.4%	Within peer range
Long-term disability	Lincoln National Life Insurance Company	3.9%	med 5.8%	Within peer range
Medical (basic)	Bluecross Blueshield of Tennessee, Inc.	5.2%	med 4.7%	Within peer range
Voluntary / worksite (basic)	Life Insurance Company of North America	8.8%	med 20.0%	Below peer range
Voluntary / worksite (CRITICAL ILLNESS)	Metropolitan Life Insurance CompanyPlan 502 · 2,630 lives · Health, Other (CRITICAL ILLNESS)	17.2%	med 20.0%	Within peer range
Medical (HOSPITAL)	Metropolitan Life Insurance Company	20.0%	med 3.7%	Above peer range
Voluntary / worksite (ACCIDENT)	Metropolitan Life Insurance CompanyPlan 502 · 2,685 lives · Health, Other (ACCIDENT)	19.9%	med 20.0%	Within peer range

How the peer group for each line was built

Life: n=422 contracts, Southeast, 2501-10000 covered lives
Long-term disability: n=169 contracts, Southeast, 2501-10000 covered lives
Medical: n=3,251 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=249 contracts, Southeast, 2501-10000 covered lives
Medical: n=542 contracts, Southeast, 501-2500 covered lives

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2024 filing. These 7 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line rate. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

Who funds this. Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position.

Plans on file

Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.

PN 501BLUECROSS BLUESHIELD OF TENNESSEE LONG TERM DISABILITY PLAN6.8K participants (2024)

Long-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 7 years on file

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PN 502BLUECROSS BLUESHIELD OF TENNESSEE LIFE AND AD&D PLAN6.8K participants (2024)

DentalOtherFully insured · 4 years on file

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PN 503HOSPITAL, SURGICAL & MEDICAL, MAJOR MEDICAL, DENTAL, LIFE & ACCIDENT, VISION, CARECHOICE6.4K participants (2024)

HealthDentalLife insuranceShort-term disabilityOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 756BLUECROSS BLUESHIELD OF TENNESSEE EMPLOYEE BENEFIT PLAN581 participants (2024)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 510HOSPITALITY AMERICA INC EMPLOYEE WELFARE BENEFITS PLAN132 participants (2025)

HealthStop-lossFully insured · 3 years on file

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Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.

At a glance

Primary brokerLimited on public pages

Years on file8

Lead broker continuityFiled brokername changed

Broker setup4 brokers in 20249 across all years

Most

Peer benchmarkAll Industriesn=2304 · all industries, your size

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How do similar employers compare?

Employers in the same peer group (Hospitality / Food Service, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: Tennessee employer health plans · Hospitality / Food Service plans in Tennessee · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; newest plan year with a filing on file: 2025. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.

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Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.