Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: The Hilb Group of New England LLC Stop-loss | Stop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 1 contract with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,815 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,815 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,815 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: HCC Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TN EIN 62-0427913 NONE | Claims processing; Other services; Contract Administrator; Participant communication; Named fiduciary Service code 12 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $1.3M |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Actuarial; Plan Administrator; Consulting (general) Service code 11 | P.O. BOX 1449 GOODLETTSVILLE, TN 37070 | $789K |
| UBS FINANCIAL SERVICES EIN 13-2638166 NONE | Custodial (securities); Securities brokerage commissions and fees; Investment management; Account maintenance fees; Distribution (12b-1) fees; Investment advisory (plan) Service code 19 | 1285 AVE. OF AMERICAS NEW YORK, NY 10019 | $120K |
| STRANCH, JENNINGS AND GARVEY PLLC EIN 62-0513048 NONE | Legal Service code 29 | 227 SECOND AVE. N. 4TH FL NASHVILLE, TN 37201 | $30K |
| DANIELS, IRWIN & AYLOR EIN 62-1802605 NONE | Accounting (including auditing) Service code 10 | 223 MADISON ST. SUITE 112 MADISON, TN 37115 | $20K |
| NEWTEK TECHNOLOGY SOLUTIONS NONE | Account maintenance fees Service code 65 | 2500 W UNION HILLS DR. PHOENIX, AR 85027 | $5K |
| TRUIST BANK EIN 62-0859925 NONE | Custodial (other than securities) Service code 18 | P.O. BOX 305183 NASHVILLE, TN 37230 | $626 |
| MONEY MARKET AND MUTUAL FUNDS NONE | Custodial (securities); Investment management Service code 19 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
10 filings · 2016 to 2025