| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYMAN A. FULTON III3 | PO BOX 628 JOHNSON CITY, TN 37605 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $34K | — | $34K | 16.65% |
| HUGO GUZMAN3 Filed as: HUGO C. GUCKERT | 4817 DAVE RILL RD HAMPSTEAD, MD 21074 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 8.80% |
| LYMAN A. FULTON III3 | PO BOX 628 JOHNSON CITY, TN 37605 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.93% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES DIV 15, LLC 4500 BLACK ROCK RD, 3RD FLOOR HAMPSTEAD, MD 21074 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.62% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | TRANSAMERICA LIFE INSURANCE COMPANY | $113 | — | $113 | 0.08% |
| LYMAN A. FULTON III3 Filed as: LYMAN FULTON | PO BOX 628 JOHNSON CITY, TN 37605 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 7.67% |
| LYMAN A. FULTON III3 Filed as: LYMAN A. FULTON | P.O. BOX 628 JOHNSON CITY, TN 37605 | GUARDIAN | $6K | — | $6K | 13.00% |
| LYMAN A. FULTON III3 | PO BOX 628 JOHNSON CITY, TN 376050628 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $267K |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,110 | $244K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,110 | $202K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,547 | $314K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 764 | $170K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,547 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,547 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.