| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADSHAW & COMPANY3 | 421 WEST COURT STREET DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $205K | — | $205K | 1.49% |
| BRADSHAW & COMPANY3 | 425 WEST COURT STREET DYERSBURG, TN 38024 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $10K | $41K | 10.58% |
| BRADSHAW & COMPANY3 | 421 W COURT STREET DYERSBURG, TN 38024 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $8K | $26K | 11.81% |
| BRADSHAW & COMPANY3 | 421 WEST COURT STREET DYERSBURG, TN 38024 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $7K | $34K | 19.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH TECH AFFILIATES EIN 62-1278576 ADMINSTER EAP PLAN | Contract Administrator Service code 13 | 350 N HUMPREYS BLVD MEMPHIS, TN 38120 | $10K |
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 | 1,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,091 | $13.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,091 | $13.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,091 | $13.8M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,121 | $399K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,121 | $388K |
| Long-term disability | NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION | 1,085 | $695K |
| Other(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,121 | $14.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,121 | — |
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.
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.