| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH MODENA3 | 150 COURTHOUSE SQUARE SUITE 106 PRINCETON, WV 24740 | BLUERE OF TENNESSEE | $10K | $0 | $10K | 0.42% |
| RAYMOND DANIELS3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $13K | $0 | $13K | 0.57% |
| RALPH MODENA3 | 150 COURTHOUSE SQUARE SUITE 106 PRINCETON, WV 24740 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | $0 | $7K | 0.32% |
| PATRICK HOFFMAN3 | 1910 EXETER ROAD, SUITE 2 GERMANTOWN, TN 38138 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $0 | $81K | 6.92% |
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 | 7,501 | 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) | 7,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 7,862 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 9,520 | $2.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,501 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,501 | $1.2M |
| Prescription drug | BLUERE OF TENNESSEE | 7,862 | $2.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,501 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,520 | — |
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.