| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HOUGHTON3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $36K | — | $36K | 3.00% |
| TIMOTHY POTTER3 | PO BOX 545 MADISON, NJ 07940 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $14K | — | $14K | 1.20% |
| LUNDSAY SERFASS3 | 620 MARBRY HOOD RD STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43 | — | $43 | 0.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $933 | $6K | 17.68% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $800 | $800 | 2.30% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $688 | $4K | 18.17% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $590 | $590 | 2.72% |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 460 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 460 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 460 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $35K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.