| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 14.96% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC. | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| MICHAEL B. JAMES3 | 840 CRESCENT CENTRE DRIVE STE 300 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 7.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUE RX MANAGEMENT SERVICES, INC. EIN 26-0502364 PBM | Claims processing Service code 12 | — | $20K |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 257 | $42K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 182 | $86K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 182 | $86K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $197K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $197K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.