| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDY WILLIAMS3 | 264 N OCOEE ST STE 202 CLEVELAND, TN 37311 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $40K | — | $40K | 2.52% |
| COLE HARRIS3 | 9648 KINGSTON PK SUITE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $23K | — | $23K | 1.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 14.90% |
| VELOCITY BENEFITS3 | 119 NORTHBROOKE TRACE WOODSTOCK, GA 30188 | GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 21.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $463 | $12K | 19.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $664 | $4K | 12.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.98% |
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 | 453 | 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) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 358 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 358 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 358 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 434 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $48K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 434 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.