| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE CAPE3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $10K | — | $10K | 3.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: DOUGLAS E. ROGER | 348 COOL SPRINGS BLVD. STE A FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 1.47% |
| DAVID A. RACKLIFFE3 Filed as: DAVID W. CRABTREE | 2028 TRENTON DRIVE SPRING HILL, TN 37174 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 0.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 10.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.10% |
| INSURANCE BENEFITS ASSOCIATES INC.3 Filed as: INSURANCE BENEFITS ASSOCIATES | 3160 MCMILLAN RD. FRAMKLIN, TN 37064 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.19% |
| DAVID A. RACKLIFFE3 Filed as: DAVID W. CRABTREE | 2028 TRENTON DRIVE SPRING HILL, TN 37174 | PRINCIPAL LIFE INSURANCE COMPANY | $742 | — | $742 | 1.35% |
| BUSH INS & FINANCIAL SERVICES INC.3 | 256 JACKSON MEADOWS DR. STE 100 HERMITAGE, TN 37076 | PRINCIPAL LIFE INSURANCE COMPANY | $179 | — | $179 | 0.33% |
| MULTI LIFE INC.3 | 3160 MCMILLAN ROAD FRANKLIN, TN 37064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $599 | — | $599 | 16.73% |
| DAVID A. RACKLIFFE3 Filed as: DAVID CRABTREE | 2028 TRENTON DRIVE SPRING HILL, TN 37174 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 10.25% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 75 | $322K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $55K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $55K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $55K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.