| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 501 CORPORATE CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $68K | $0 | $68K | 7.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 501 CORPORATE CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | $0 | $24K | 14.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $597 | $0 | $597 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $455 | $3K | 11.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $152 | $0 | $152 | 0.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 501 CORPORATE CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $755 | $233 | $988 | 8.48% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 317 | $957K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 317 | $957K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $24K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 191 | $173K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 108 | $162K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 317 | $957K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 191 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.