| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOB DAVIS3 | 1801 WEST END AVENUE, SUITE 1400 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $42K | $0 | $42K | 3.37% |
| DEBRA REAS3 | 400 WEST MARKET STREET, SUITE 700 LOUISVILLE, KY 40202 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | $0 | $41K | 3.28% |
| REX DAVENPORT3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | $0 | $38K | 3.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 10.65% |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 820 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 820 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 820 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 622 | $186K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 622 | $186K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 622 | $186K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 820 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 622 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.