| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAYLA ULRICH3 | 200 E RANDOLPH CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $15K | — | $15K | 2.05% |
| MARY ANNE FITZGERALD3 | 501 CORPORATE CENTRE DRIVE FRANKLIN, TN 37067 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $12K | — | $12K | 1.62% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $9K | — | $9K | 1.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 8.25% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.01% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 107 | $740K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $154K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $154K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.