| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 4.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| TRISTAR BENEFIT SOLUTIONS LLC3 | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 18.02% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEW MARKET PKWY SE, STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.68% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $206 | — | $206 | 0.38% |
| TONYA S LANCASTER3 | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $181 | — | $181 | 0.34% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT & CRAWFORD OF GEORGIA INC. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $86 | — | $86 | 0.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 3.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $375 | — | $375 | 15.00% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 533 | $166K |
| Vision | VISION SERVICE PLAN | 235 | $42K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $121K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $44K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 440 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.
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.