| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 Filed as: CUNDY INC | ATT ACCOUNTING PO BOX 24080 FORT LAUDERDALE, FL 33307 | MINNESOTA LIFE INSURANCE COMPANY | $14K | — | $14K | 2.40% |
| CUNDY, INC.3 Filed as: CUNDY INC | ATT ACCOUNTING PO BOX 24080 FORT LAUDERDALE, FL 33307 | MINNESOTA LIFE INSURANCE COMPANY | $38 | — | $38 | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNTRUST BANK EIN 58-1575035 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $99K |
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $40K |
| TOWERS WATSON EIN 23-1159360 ACTUARY | Actuarial Service code 11 | — | $27K |
| BROWN SMITH WALLACE LLP EIN 43-1001367 AUDITOR | Accounting (including auditing) Service code 10 | — | $18K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 746 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 1,085 | $3.4M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 554 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.