| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDY WILLIAMS3 | PO BOX 1395 CLEVELAND, TN 37364 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | $0 | $39K | 3.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $6K | $31K | 14.86% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MA 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $157 | $8K | 29.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINATTI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $158 | $4K | 13.23% |
| BOAR ENROLLMENT STRATEGIES3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $54 | $319 | $373 | 1.36% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $206 | $9K | 36.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $186 | $4K | 15.91% |
| BOAR ENROLLMENT STRATEGIES3 | 2444 BROAD ST STE 209 CHATTANOOGA, TN 374082909 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $305 | $310 | 1.22% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $160 | $7K | 29.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $186 | $3K | 13.28% |
| BOAR ENROLLMENT STRATEGIES3 | 7825 WASHINGTON. AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $338 | $338 | 1.43% |
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 | 656 | 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) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 259 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $206K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $206K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $206K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $206K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $206K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.