| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES BOYD3 | 2487 CEDARCREST RD SUITE 122 ACWORTH, GA 30101 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $262K | — | $262K | 2.73% |
| JAMES FRASER3 | 1900 16TH STREET SUITE 1000 DENVER, CO 80203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $48K | — | $48K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $53 | $64K | 10.11% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD., STE. 300 ORLANDO, FL 328199510 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $21 | $10K | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MADISON, 4TH FLOOR CHICAGO, IL 606931062 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 25.00% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 25.00% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
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 | 1,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,532 | $9.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,725 | $632K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,725 | $632K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,725 | $632K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,725 | $632K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,725 | $632K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,725 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,725 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.