| 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. | $282K | $0 | $282K | 1.92% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF TENNESSEE | $100K | $0 | $100K | 11.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117K | $0 | $117K | 15.00% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $23K | $23K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $19K | $19K | 2.48% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $9K | $40K | 11.75% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 9.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | GEISINGER QUALITY OPTIONS, INC. | $11K | $30 | $11K | 3.25% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.10% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | ARAG INSURANCE COMPANY | $5K | $0 | $5K | 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 | 1,685 | 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) | 1,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,497 | $15.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 2,883 | $904K |
| Vision | VISION SERVICE PLAN | 1,571 | $183K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,685 | $779K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,685 | $779K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,685 | $779K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,497 | $15.0M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,069 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,069 | — |
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."
No prospect flags tripped on this filing.