| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN ARAUJO3 Filed as: JOHN CERASANI | 333 WACKER DR., STE 1200 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF TN | $69K | — | $69K | 2.27% |
| JASON BLOOMQUIST3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF TN | $30K | — | $30K | 0.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 W WACKER DR., STE 1950 CHICAGO, IL 60606 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 2.57% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE CO | $12K | — | $12K | 12.42% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N. PIMA RD., STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE CO | $12K | — | $12K | 11.76% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD., STE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $7K | $7K | 6.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FL BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 12.43% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD., STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 11.73% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD., STE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $4K | $4K | 6.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST., FL 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 6.80% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $778 | — | $778 | 2.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST., 4TH FL BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 13.51% |
| EMERSON REID LLC3 | 350 5TH AVENUE, STE 3700 NEW YORK, NY 10118 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $2K | $2K | 9.13% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 6.80% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST., 4TH FL BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INS CO | $132 | — | $132 | 12.42% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INS CO | $80 | — | $80 | 7.53% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | LINCOLN NATIONAL LIFE INS CO | — | $77 | $77 | 7.24% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TN | 532 | $3.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 588 | $223K |
| Vision | VISION SERVICE PLAN | 294 | $33K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 334 | $100K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 334 | $59K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 334 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.