| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARGARET SPALDING3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $297K | $0 | $297K | 2.37% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $146K | $348 | $146K | 10.17% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $21K | $27K | 1.89% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $261 | $26K | 1.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.15% |
| SHAWN NORTON3 | 1053 GARRISON LANE SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 0.52% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.36% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $33K | $0 | $33K | 4.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | GEISINGER QUALITY OPTIONS, INC. | $10K | $30 | $10K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.40% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METLIFE LEGAL PLANS | $2K | $234 | $3K | 10.53% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $221 | $0 | $221 | 0.86% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN GENERAL INSURANCE COMPANY | $900 | $218 | $1K | 8.58% |
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 | 1,620 | 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) | 1,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,159 | $12.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 2,563 | $771K |
| Vision | VISION SERVICE PLAN | 1,340 | $165K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,808 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,808 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,808 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,159 | $12.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,808 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,808 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.