| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN ARAUJO3 Filed as: JOHN CERASANI | 401 N MICHIGAN AVE #1200 CHICAGO, IL 60611 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $79K | — | $79K | 3.41% |
| NORTHWEST COMPREHENSIVE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 2.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 0.45% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | VISION SERVICES PLAN | $3K | — | $3K | 10.00% |
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 | 552 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 532 | $2.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 597 | $212K |
| Vision | VISION SERVICES PLAN | 295 | $30K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 552 | $1.3M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 552 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 552 | $1.3M |
| Other | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 552 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.