| 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 | — | $159K |
| LOCAL 76B, CWA EIN 13-5093050 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $119K |
| BRYAN CAVE LLP EIN 43-0602162 ATTORNEY | Legal Service code 29 | — | $115K |
| CHEIRON EIN 13-4215617 ACTUARY | Actuarial Service code 11 | — | $96K |
| ROGOFF & CO EIN 13-2688836 AUDITOR | Accounting (including auditing) Service code 10 | — | $88K |
| LOCAL 800, CWA EIN 39-0733449 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $70K |
| ELLEN SMITH EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $58K |
| FRED BROWN EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| PAULA GOWER EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| LOCAL 9400, CWA EIN 52-1475685 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $53K |
| DEE ANNE WALKER EIN 13-5547701 DIRECTOR | Employee (plan) Service code 30 | — | $49K |
| STEPHANIE THOMAS EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| CLARA SHERWOOD EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| HELEN WEAKLEY EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| RITA AYERS EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| JULIA STIDHAM EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $37K |
| THE MCCLAUGHLIN COMPANY EIN 53-0156390 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $32K |
| DANA STEINMETZ EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| 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 | — | $29K |
| LOCAL 14430, CWA EIN 36-0902115 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $24K |
| LOCAL 75, CWA EIN 52-0514955 ADMIN EXP REIMBURSEMENT | Other services Service code 49 | — | $14K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | — | $8K |
| KENNEDY MATHIS EIN 13-5547701 EMPLOYEE | Employee (plan) Service code 30 | — | $7K |
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 | 2,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 401 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 162 | $595K |
| Dental | DELTA DENTAL PLAN OF TN | 461 | $199K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 5,532 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.