| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | 3560 LENOX RD NE STE 2400 ATLANTA, GA 30326 | GUARDIAN | $0 | $782 | $782 | 0.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | LINCOLN FINANCIAL GROUP | $35K | — | $35K | 13.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | LINCOLN FINANCIAL GROUP | — | $11K | $11K | 4.44% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS | 109 INTERNATIONAL DRIVE #101 FRANKLIN, TN 370671714 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 1.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 9.08% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHEN INSURANCE GROUP INC | 1240 FAIRWAY ST BOWLING GREEN, KY 421032475 | PRINCIPAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE ST 320 HOUSTON, TX 77057 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $11K | — | $11K | 8.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | LINCOLN FINANCIAL GROUP | $10K | — | $10K | 13.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 5.18% |
| HOUCHENS INSURANCE GROUP INC3 | 109 INTERNATIONAL DR #101 FRANKLIN, TN 370671714 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 1.31% |
| JEFFREY D PLUMMER3 Filed as: JEFFREY A. HENNINGSON | 5847 SAN FELIPE ST 320 HOUSTON, TX 77057 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $61K | — | $61K | — |
| CHRISTOPHER SIMMONS3 | 109 INTERNATIONAL DR STE 101 FRANKLIN, TN 37067 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $479K |
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 | 1,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 2,189 | $0 |
| Dental | GUARDIAN | 1,030 | $356K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 1,885 | $121K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,791 | $220K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,423 | $254K |
| Other | LINCOLN FINANCIAL GROUP | 210 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.