| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN KOOPER3 | 770 LEXINGTON AVENUE #14 NEW YORK, NY 10065 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $57K | — | $57K | 5.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | HARTFORD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.11% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | -$283 | $8K | $8K | 3.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.57% |
| RICHARD K. HOLMES3 Filed as: RICHARD K HOLMES | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $902 | $10K | 6.32% |
| MORETON & COMPANY3 Filed as: CLAIBORNE B MORTON III | P O BOX 6861 DESTIN, FL 32550 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.02% |
| ANBTX INSURANCE SERVICES, INC.3 Filed as: ANBTX INSURANCE SERVICES INC | 12400 COIT ROAD SUITE 1100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATTELITE BOUELVARD SUITE 200 DULUTH, GA 30096 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| FOSTER BENEFIT RESOURCES INC3 | 14911 QUORUM DRIVE SUITE 100 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $175 | $2K | 1.35% |
| SLEEPERSEWELL INSURANCE SERVICES3 Filed as: SLEEPERSEWELL INSURANCE SERVICES IN | 12400 COIT ROAD SUITE 1100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $888 | — | $888 | 0.68% |
| ANBTX INSURANCE SERVICES, INC.3 Filed as: ANBTX INSURANCE SERVICES INC | 12400 COIT ROAD SUITE 1100 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $948 | — | $948 | 7.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | PRINCIPAL LIFE INSURANCE COMPANY | $189 | — | $189 | 1.57% |
| RICHARD K. HOLMES3 Filed as: RICHARD K HOLMES | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 3.72% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN R GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 2.55% |
| ANBTX INSURANCE SERVICES, INC.3 Filed as: ANBTX INSURANCE SERVICES INC | 12400 COIT ROAD SUITE 1100 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $541 | $86 | $627 | 9.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $281 | — | $281 | 4.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $72 | $72 | 1.10% |
| A A LAROCCO & ASSOCIATES3 Filed as: A A LAROCCO AND ASSOCIATES INC | 5880 LIVE OAK PARKWAY SUITE 230 NORCROSS, GA 30093 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | $6 | $120 | 4.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $594 | — | $594 | 24.99% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.73% |
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 | 998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 250 | $1.4M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 250 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 1,657 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,717 | $680K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $182K |
| Long-term disability(4 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,717 | $843K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 882 | $1.1M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,717 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,717 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.