| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL OF TENNESSEE3 | 240 VENTURE CIR NASHVILLE, TN 372281604 | DELTA DENTAL PLAN OF TN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS / BLUE SHIELD EIN 62-0427913 BENEFITS ADMINISTRATOR | Claims processing Service code 12 | — | $1.1M |
| LOCAL 262, CWA EIN 94-0945885 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $164K |
| LOCAL 76B, CWA EIN 13-5093050 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $124K |
| CHEIRON EIN 13-4215617 ACTUARY | Actuarial Service code 11 | — | $91K |
| ROGOFF & CO EIN 13-2688836 AUDITOR | Accounting (including auditing) Service code 10 | — | $85K |
| BRYAN CAVE LLP EIN 43-0602162 ATTORNEY | Legal Service code 29 | — | $83K |
| LOCAL 9400, CWA EIN 52-1475685 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $62K |
| LOCAL 800, CWA EIN 39-0733449 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $61K |
| ELLEN SMITH EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| PAULA GOWER EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| FRED BROWN EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| DEE ANNE WALKER EIN 13-5547701 DIRECTOR | Employee (plan) Service code 30 | — | $48K |
| CLARA SHERWOOD EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| STEPHANIE THOMAS EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| RITA AYERS EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| HELEN WEAKLEY EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| JULIA STIDHAM EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $37K |
| DANA STEINMETZ EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| LISA FETZER EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| LOCAL 81102, CWA EIN 11-1154156 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $28K |
| LOCAL 14430, CWA EIN 36-0902115 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $23K |
| LOCAL 75, CWA EIN 52-0514955 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $15K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | — | $8K |
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 | 2,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 397 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF TN | 482 | $196K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 5,339 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,339 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.