| 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 | $83K | — | $83K | 15.00% |
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $23K | — | $23K | 10.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOVXILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $35K | $6K | $40K | 23.26% |
| MANN, ANDREW T3 | 8924 ISHERWOOD LANE KNOXVILLE, TN 37922 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 10.05% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $4K | $25K | 23.34% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 23.30% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS,INC. | OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 23.24% |
| ASSUREDPARTNERS3 Filed as: TRINITY BENFIT ADVISORS | 4823 OLD KINGSTON PIKE 205 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $827 | $6K | 23.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD CONTRACT ADM | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $252K |
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 | 770 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 557 | $229K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 480 | $127K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 407 | $65K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 702 | $250K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $133K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE | 557 | $229K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 566 | $781K |
| Other(3 contracts, 3 carriers) | HM LIFE INSURANCE COMPANY | 702 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.