| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BNFT ADVISRS | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | HM LIFE INSURANCE COMPANY | $59K | — | $59K | 15.00% |
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $21K | — | $21K | 10.26% |
| R | — | BLUE CROSS BLUE SHIELD OF TENNESSEE | — | — | $0 | 0.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOVXILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $21K | $4K | $26K | 23.90% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | — | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 9.99% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 24.07% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 23.99% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS,INC. | OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.28% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 23.66% |
| ASSUREDPARTNERS3 Filed as: TRINITY BENFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $716 | $4K | 23.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD CONTRACT ADM | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $227K |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 485 | $202K |
| Dental | UNION SECURITY INSURANCE COMPANY | 403 | $107K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 408 | $38K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 591 | $149K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $56K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE | 485 | $202K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 485 | $598K |
| Other(3 contracts, 3 carriers) | HM LIFE INSURANCE COMPANY | 591 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.