| 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. | $213K | $0 | $213K | 2.18% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | PO BOX 55268 LEXINGTON, KY 04055 | HARTFORD LIFE AND ACCIDENT | $156K | $36K | $192K | 22.24% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | DELTA DENTAL OF VIRGINIA | $32K | $0 | $32K | 4.96% |
| ENERGY INSURANCE AGENCY INC4 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22K | $0 | $22K | 21.07% |
| ROGER SCHOLL4 | 18612 WEST CAROL AVENUE WADDELL, AZ 85355 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $118 | $0 | $118 | 0.11% |
| RICKEY GOOCH4 | PO BOX 1563 HENDERSONVILLE, TN 37077 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $102 | $0 | $102 | 0.10% |
| ALAN ROMAN4 | 7220 PRINCETON AVENUE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $88 | $0 | $88 | 0.08% |
| FRANKIE D SHARP4 Filed as: FRANKIE D. SHARP | 430 NORTH COLLEGE STREET RIDGELY, TN 38080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | $0 | $42 | 0.04% |
| WILLIAM SALIN4 | 699 TREASURY LANE LEBANON, TN 37087 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 0.02% |
| SUSAN G. MARGILOFF4 | 5025 HILLSBORO PIKE, APARTMENT 2D NASHVILLE, TN 37215 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $17 | $0 | $17 | 0.02% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | PO BOX 55268 LEXINGTON, KY 04055 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.01% |
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 | 1,192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,831 | $9.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,906 | $644K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,366 | $94K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,891 | $864K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,891 | $864K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,891 | $864K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,831 | $9.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,891 | $969K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,891 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.