| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH PAYLOR3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $52K | $0 | $52K | 4.16% |
| SEAN WAGGONER3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | $0 | $5K | 0.40% |
| KENNETH PAYLOR3 Filed as: KENNETH PERRY | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | $0 | $5K | 0.40% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $0 | $29K | 20.18% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $616 | $18K | 12.95% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | DELTA DENTAL OF TENNESSEE | $2K | $0 | $2K | 3.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, 31ST FLOOR SEATTLE, WA 98101 | DELTA DENTAL OF TENNESSEE | $680 | $0 | $680 | 1.08% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 8.42% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 154 | $1.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 202 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 246 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $142K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $142K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $142K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 154 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.