| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $374K | $0 | $374K | 2.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $255K | $0 | $255K | 14.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $105K | $105K | 5.75% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $51K | $51K | 2.80% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 0.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | DELTA DENTAL OF TENNESSEE | $108K | $0 | $108K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $21K | $59K | 15.03% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $9K | $48K | 12.09% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.82% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | ARAG INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | ARAG INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
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 | 3,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,811 | $18.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 3,233 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,794 | $208K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,600 | $1.8M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,600 | $1.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,600 | $1.8M |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,811 | $18.4M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,673 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,673 | — |
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.