Form 5500 · Employee benefit plan · NASHVILLE, TN
JARRETT FIRE PROTECTION
The filing calls this plan JARRETT FIRE PROTECTION EMPLOYEE BENEFIT PLAN.
JARRETT FIRE PROTECTION of NASHVILLE, TN insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is RICHARD R GIRDLER. Coverage is written through BLUECROSS BLUESHIELD OF TENNESSEE, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-4262805 · plan 501 · plan year 2024, filed Jul 17, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUECROSS BLUESHIELD OF TENNESSEE, INC., covers 142 people.
Reported premium across the insured contracts is $778,313, with $49,815 in disclosed broker commissions — about 6.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
RICHARD R GIRDLER is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUECROSS BLUESHIELD OF TENNESSEE, INC., AMERICAN UNITED LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and AMERICAN HERITAGE LIFE INSURANCE COMPANY. BLUECROSS BLUESHIELD OF TENNESSEE, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Health | 142 | Jan 1, 2025 | $653,669 | $29,099 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 136 | Jan 1, 2025 | $57,855 | $8,678 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 63 | Jan 1, 2025 | $21,690 | $7,463 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 92 | Jan 1, 2025 | $44,350 | $4,435 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Health | 45 | Jan 1, 2025 | $749 | $140 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Reported to OSHA
Reported to OSHA for 2025: 131 employees, 4 recordable cases, 5 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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