| 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 | $13K | $7K | $19K | 15.16% |
| JON P CHANEY3 | 173 BEVERLY RANDOLPH DRIVE MURFREESBORO, TN 37129 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.16% |
| TRISTAR BENEFIT SOLUTIONS LLC3 | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.89% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEW MARKET PKWY SE, STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $452 | — | $452 | 0.65% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $295 | — | $295 | 0.42% |
| TONYA S LANCASTER3 | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $182 | — | $182 | 0.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 12 CADILLAC DRIVE, STE 160 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $179 | $1K | 17.47% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 514 | $163K |
| Vision | VISION SERVICE PLAN | 227 | $40K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $126K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $46K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.