| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN MICHELSEN3 | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $76K | — | $76K | 3.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | PO BOX 7857000 PHIALDELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 15.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 78570 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $857 | — | $857 | 0.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $159 | $159 | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 34.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | PO BOX 785700 PHILADEPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 41.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30 | $30 | 0.60% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 167 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 167 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 167 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $187K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $187K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $187K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.