| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY JENKINS3 | 1108 GATEWAY SERVICE PARK RD MORRISTOWN, TN 37813 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 1.72% |
| COLE HARRIS3 | 9648 KINGSTON PK STE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 1.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $5K | $20K | 11.45% |
| THE CASON GROUP INC3 | 1612 MARION ST FL 4 COLUMBIA, SC 292012938 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $491 | $10K | 6.15% |
| ASSURED INSURANCE CONSULTANTS LLC3 | 127 W HIGHWAY 2570 STE A DANDRIDGE, TN 377256407 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.54% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 313 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $171K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $171K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $171K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $171K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $171K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.