| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELE E MARTIN3 Filed as: MICHELE L SHERINSKY | — | HIGHMARK INC. | $41K | — | $41K | 1.78% |
| KEVIN MURPHY3 Filed as: KEVIN W FELDERMAN | — | HIGHMARK INC. | $17K | — | $17K | 0.73% |
| COTTINGHAM & BUTLER3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.79% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.03% |
| COTTINGHAM & BUTLER3 | INSURANCE SERVICES 800 MAIN ST DUBUQUE, IA 52001 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 3.74% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | — | PARAMOUNT DENTAL | $1K | — | $1K | 3.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | — | VISION SERVICE PLAN | $886 | — | $886 | 4.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | — | VISION SERVICE PLAN | $790 | — | $790 | 4.16% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | — | VISION SERVICE PLAN | $643 | — | $643 | 3.38% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $524 | $3K | — |
| NOVALYZE CONSULTING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| PETRINA SKILES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $380 | $1K | — |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | — |
| LANCE A BRADLEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | — |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | — |
| DEIRDRE B HOEHN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| ANDREA MARIE TIERCE3 Filed as: ANDREA L MCVICKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | — |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | — |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 270 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 181 | $80K |
| Vision | VISION SERVICE PLAN | 135 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $114K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $114K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.