| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE THOMPSON3 | 3404 SALTERBECK #207 MONCKS CORNER, SC 29461 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $145K | — | $145K | 1.78% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET #207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $580K | — | $580K | 11.81% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $196K | — | $196K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | USABLE LIFE | $157K | — | $157K | 3.19% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STE SUITE 207 MT. PLEASANT, SC 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $257K | — | $257K | 10.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $109K | $10K | $119K | 4.64% |
| BUCK CONSULTANTS LLC3 | PO BOX 20617 DALLAS, TX 753202617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 0.75% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE WORKPLACE DIVISION | $455K | — | $455K | 19.44% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE BENEFITS | $402K | — | $402K | 25.41% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBACK STE SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $172K | — | $172K | 11.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $68K | $7K | $74K | 4.87% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 0.78% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STE SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | — | $40K | 9.34% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $2K | $22K | 5.17% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 0.85% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE BENEFITS | $35K | — | $35K | 18.42% |
| HALE INSURANCE AGENTS3 Filed as: HALE INS AGTS AND CONSLTS LLC | DBA HIAC 399 PATRIOTIC TRAIL WELDON SPRING, MO 63304 | ALLSTATE BENEFITS | $8 | — | $8 | 0.00% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
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 | 123,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMO MISSOURI, INC. | 186 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 34,629 | $8.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 34,629 | $8.2M |
| Life insurance | USABLE LIFE | 28,473 | $4.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,625 | $2.6M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,737 | $2.0M |
| Other(6 contracts, 5 carriers) | USABLE LIFE | 123,115 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123,115 | — |
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."
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.