| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONNA BAKER3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $39K | — | $39K | 3.26% |
| ANDREW RADER3 | 200 PROSPERITY DR STE 122 KNOXVILLE, TN 37923 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $25K | — | $25K | 2.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 11.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | TENNESSEE 701 B ST 6TH FL SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 SUITE 300 PASADENA, CA 91109 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES,INC. | DB EB OPERATING ACCOUNT PASADENA, CA 91109 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $245 | — | $245 | 0.97% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 326 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 326 | $1.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 140 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $103K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $103K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.