Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Health | Health | |
HealthStop-loss | HealthStop-loss | |
DentalHMO | DentalHMO | |
Health | Health |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 363 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,899 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SAV-RX | 6,914 | $12.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 480 | $101K |
| Stop-loss / reinsurancereinsurance | BCBS OF TENNESSEE | 6,268 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,914 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS/BLUE SHIELD EIN 62-0427913 BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL DR CHATTANOOGA, TN 37402 | $1.6M |
| LOCAL, 463,CWA EIN 11-1671020 ADMIN EXP REIMBURSEMENT | Direct payment from the plan Service code 50 | — | $210K |
| CHEIRON EIN 13-4215617 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $174K |
| UFEW PENSION FUND A SHARED EXPENSES | Other services Service code 49 | 1910 AIRLANE DRIVE NASHVILLE, TN 37210 | $152K |
| ROGOFF & COMPANY EIN 13-2688836 AUDITOR | Accounting (including auditing) Service code 10 | — | $125K |
| PIERSON FERDINAND EIN 93-3416937 ATTORNEY | Legal Service code 29 | 1270 AVENUE OF THE AMERICAS NEW YORK, NY 10020 | $88K |
| DEE ANNE WALKER EIN 13-5547701 DIRECTOR | Direct payment from the plan Service code 50 | — | $84K |
| LOCAL 81102, CWA EIN 11-1154156 ADMIN EXP REIMBURSEMENT | Other services; Direct payment from the plan Service code 49 | — | $68K |
| DANA STEINMETZ EIN 13-5547701 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| DENISE WEAKLEY EIN 13-5547701 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| CLARA SHERWOOD EIN 13-5547701 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| LISA FETZER EIN 13-5547701 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| BRADLEY HARRIS EIN 13-5547701 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| LOCAL 800, CWA EIN 39-0733449 ADMIN EXP REIMBURSEMENT | Direct payment from the plan Service code 50 | — | $47K |
| MEGAN JEDELE EIN 13-5547701 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| BRIANN MCGRIFF EIN 13-5547701 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| SERIA BEAN EIN 13-5547701 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| AUTUMN KRANICK EIN 13-5547701 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| JULIA STIDHAM EIN 13-5547701 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| PKF O'CONNOR DAVIES EIN 33-1351771 CONSULTANT | Consulting (general) Service code 16 | 245 PARK AVE 12TH FLOOR NEW YORK, NY 10167 | $23K |
| FRONTGATE TECHNOLOGY SOLUTIONS EIN 62-1807516 DATA PROCESSING | Other services Service code 49 | — | $23K |
| TIFFANY BIRDWELL EIN 13-5547701 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $16K |
| BICC SYSTEMS, INC EIN 36-2852073 DATA PROCESSING | Other services; Direct payment from the plan Service code 49 | — | $11K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 INVESTMENT CONSULTANT | Direct payment from the plan; Investment advisory (plan) Service code 27 | 300 MADISON AVE 28TH FLOOR NEW YORK, NY 10177 | $9K |
| BENJAMIN FENTON EIN 13-5547701 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $9K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
10 filings · 2016 to 2025