| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | — | HUMANA INSURANCE COMPANY | $18K | — | $18K | 5.49% |
| REGIONS INSURANCE INC3 | 6000 POPLAR AVENUE STE 300 MEMPHIS, TN 38119 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $78 | $389 | 10.20% |
| LARRY D DENNY3 Filed as: LARRY DOUGLAS | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | $28 | $140 | 3.67% |
| JOEL DENIGRIS3 | 580 HAZARD AVENUE ENFIELD, CT 06082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | $9 | $67 | 1.76% |
| JONATHAN FRISCH3 | — | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | — | $2K | 50.92% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 289 | $336K |
| Dental | HUMANA INSURANCE COMPANY | 289 | $336K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 84 | $3K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 289 | $339K |
| Other | HUMANA INSURANCE COMPANY | 289 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.