| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE ARMENY3 | 15800 CRABBS BRANCH WAY, SUITE 350 BROOKEVILLE, MD 20833 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $204K | $0 | $204K | 2.20% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | DELTA DENTAL OF VIRGINIA | $28K | $0 | $28K | 4.62% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | PO BOX 55268 LEXINGTON, KY 40555 | AMERICAN UNITED LIFE INSURANCE COMPANY | $77K | $0 | $77K | 14.20% |
| 4MYBENEFITS, INC.3 | 4665 CORNELL ROAD, SUITE 331 CINCINNATI, OH 45241 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $22K | $22K | 4.05% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | HARTFORD LIFE AND ACCIDENT | $65K | $0 | $65K | 20.00% |
| ENERGY INSURANCE AGENCY INC4 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24K | $0 | $24K | 23.01% |
| ALAN ROMAN4 | 7220 PRINCETON AVENUE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $112 | $0 | $112 | 0.11% |
| RICKEY GOOCH4 | PO BOX 1563 HENDERSONVILLE, TN 37077 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $110 | $0 | $110 | 0.10% |
| ROGER SCHOLL4 | 18612 WEST CAROL AVENUE WADDELL, AZ 85355 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $36 | $0 | $36 | 0.03% |
| MJ INSURANCE4 Filed as: WILLIAM SALIN AND VARIOUS AGENTS | 699 TREASURY LANE LEBANON, TN 37087 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | $0 | $35 | 0.03% |
| SUSAN G. MARGILOFF4 | 3817B DARTMOUTH AVENUE NASHVILLE, TN 37215 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | $0 | $17 | 0.02% |
| LAGRANDE SMITH4 | 245 NORTH TENTH AVENUE POCATELLO, ID 83201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $16 | $0 | $16 | 0.02% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | PO BOX 55268 LEXINGTON, KY 40555 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.79% |
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 | 734 | 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) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,844 | $9.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,929 | $612K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,413 | $94K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 830 | $543K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 830 | $543K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 830 | $543K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,844 | $9.3M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 830 | $972K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,929 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.