| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $209K | $38K | $247K | 16.80% |
| FP URGENT CARE, LLC3 | 6550 CAROTHERS PARKWAY, SUITE 225 FRANKLIN, TN 37067 | STANDARD INSURANCE COMPANY | $0 | $71K | $71K | 4.85% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$30K | -$30K | -2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $92K | $0 | $92K | 11.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIASTAR LIFE INSURANCE COMPANY | $26K | $0 | $26K | 26.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 27.77% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.73% |
| MITCHELL D ELLIOTT3 Filed as: MITCHELL D. ELLIOTT | 353 WEST 4TH STREET, UNIT 304 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.43% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | $0 | $623 | 1.66% |
| EGS BENEFITS3 | 14 WATER WORKS ROAD FORT THOMOAS, KY 41075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | $0 | $341 | 0.91% |
| BRENT HUTCHINSON3 Filed as: BRENT D. HUTCHINSON | 333 WEST VINE STREET, SUITE 300 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.09% |
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 | 1,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,509 | $806K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,509 | $806K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,491 | $1.5M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,491 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,491 | $1.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,491 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,509 | — |
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.