| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN ARAUJO3 Filed as: JOHN CERASANI | 401 N MICHIGAN AVE #1200 CHICAGO, IL 60611 | BLECROSS BLUESHIELD OF TENNESSEE, INC. | $61K | — | $61K | 3.04% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 3.00% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.86% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 11.67% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.63% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST BOSTON, MA 02110 | VISION SERVICES PLAN | $1K | — | $1K | 5.15% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | VISION SERVICES PLAN | $1K | — | $1K | 3.97% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | VISION SERVICES PLAN | $250 | — | $250 | 0.88% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $691 | $2K | 11.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.44% |
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 | 615 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLECROSS BLUESHIELD OF TENNESSEE, INC. | 537 | $2.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 615 | $205K |
| Vision | VISION SERVICES PLAN | 301 | $29K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $86K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $40K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.