| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP C FREEMAN3 | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | BLUERE OF TENNESSEE | $10K | — | $10K | 1.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $101K | $17K | $118K | 21.31% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $53K | — | $53K | 10.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 COCKYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $43K | — | $43K | 8.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 840 GESSNER RD STE 700 HOUSTON, TX 77024 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 4.01% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 1.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 1925 FREDERICA STREET OWENSBORO, KY 42301 | TRUSTMARK INSURANCE COMPANY | $57K | — | $57K | 14.85% |
| STARLENA A ROBBINS3 | 5959 KEAVY ROAD - PO BOX 1007 LONDON, KY 40744 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 2.79% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 1.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 1.48% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 11.15% |
| GREGORY H GRAY3 | 97042 WOODSTORK LN FERNANDINA BEACH, FL 32034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $389 | — | $389 | 2.61% |
| AMERICAN BUSINESS SERVICES INC3 | 466 SYNNYSLOPE DR HUMBOLDT, TN 38343 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $192 | — | $192 | 1.29% |
| WILLIAM JONES3 Filed as: WILLIAM D JONES | 958 COLLETT AVE STE 200 BOWLING GREEN, KY 42101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $95 | — | $95 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CLAIMS ADMINISTRATION | Contract Administrator Service code 13 | — | $474K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $27K |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,428 | $647K |
| Vision | EYEMED VISION CARE | 1,306 | $43K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 939 | $552K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 939 | $552K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 939 | $552K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 939 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,428 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.