| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLE HARRIS3 | 9648 KINGSTON PIKE SUITE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62K | $0 | $62K | 3.96% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 45.01% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $61 | $61 | 0.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $228 | $5K | 19.73% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | U.S. LEGAL SERVICES INC. | $739 | $0 | $739 | 14.53% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 7350 N DOBSON ROAD SUITE 101 SCOTTSDALE, AZ 85256 | U.S. LEGAL SERVICES INC. | $254 | $0 | $254 | 5.00% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 349 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 349 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $23K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $52K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 65 | $17K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $45K |
| Other(8 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $72K |
| 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.