| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN ARAUJO3 Filed as: JOHN CERASANI | 333 W. WACKER DR. STE. 1200 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $76K | — | $76K | 3.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 W. WACKER DR. STE. 1950 CHICAGO, IL 60606 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 5.00% |
| NORTHWEST COMPREHENSIVE INC3 Filed as: NORTHWEST COMPREHENSIVE INC. RISK | STRATEGIES CO. 160 FEDERAL ST. BOSTON, MA 02110 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 21.47% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N. PIMA RD. SUITE 210 SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.74% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA RD. STE. 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 27.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. FL. 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA RD. STE. 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 27.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA RD. STE. 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 27.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA RD. STE. 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 27.01% |
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 | 339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 534 | $2.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 636 | $221K |
| Vision | VISION SERVICE PLAN | 316 | $31K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 558 | $115K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 558 | $90K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 558 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.