| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARMINIO | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $49K | $0 | $49K | 3.68% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $297 | $9K | 14.02% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61 | $0 | $61 | 0.09% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $746 | $0 | $746 | 12.01% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 366 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $65K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $65K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $34K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $28K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $33K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.