| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLE HARRIS3 | 9648 KINGSTON PIKE SUITE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $58K | $0 | $58K | 4.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 42.77% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $53 | $53 | 0.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $476 | $5K | 20.86% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | U.S. LEGAL SERVICES INC. | $555 | $0 | $555 | 14.52% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 336 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 336 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $22K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 269 | $39K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 58 | $14K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 268 | $42K |
| Other(8 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.