| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON SWITZER3 | PO BOX 1300 DYERSBURG, TN 38025 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $166K | $166K | 1.04% |
| LINDSEY MCCLAMMY3 | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $35K | $35K | 0.22% |
| BRADSHAW & COMPANY3 Filed as: BRADSHAW & COMPANY INSURORS | 421 W COURT STREET DYERSBURG, TN 38024 | SYMETRA LIFE INSURANCE COMPANY | $57K | — | $57K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1201 W. CYPRESS CREEK RD UNIT 130 FORT LAUDERDALE, FL 33309 | SYMETRA LIFE INSURANCE COMPANY | $45K | — | $45K | 4.17% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.64% |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,267 | $16.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,267 | $16.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,267 | $16.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,370 | $1.1M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,370 | $1.1M |
| Long-term disability | NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION | 1,327 | $941K |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,267 | $17.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,267 | — |
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.
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.