| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIMEE BURGETT3 | 22 CENTURY BOULEVARD, SUITE 150 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $66K | $0 | $66K | 5.55% |
| DANIEL ASCHENBRENER3 | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | $0 | $4K | 0.31% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93033 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$23 | $0 | -$23 | -0.02% |
| MVI ADMINISTRATORS, INC.3 Filed as: MVI ADMINISTRATORS INSURANCE | 1011 CAMINO DEL RIO SOUTH SUITE 300 SAN DIEGO, CA 91950 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 13.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 400 NORTH EXECUTIVE DRIVE BROOKFIELD, WI 53005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $43 | $2K | 11.95% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $103K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $103K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $103K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 306 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.