| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TED FRIZEN3 | 211 ATHENS WAY STE 100 NASHVILLE, TN 37228 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $19K | — | $19K | 3.47% |
| JUSTIN BURNS3 | PO BOX 459 GREENEVILLE, TN 37743 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $13K | — | $13K | 2.42% |
| STROTHER & ASSOCIATES3 | PO BOX 1575 JOHNSON CITY, TN 37605 | CIGNA GROUP INSURANCE | $5K | — | $5K | 10.00% |
| STROTHER & ASSOCIATES3 | PO BOX 1575 JOHNSON CITY, TN 37605 | PRUDENTIAL | $2K | — | $2K | 6.85% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $49 | $49 | 0.18% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 107 | $551K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 107 | $551K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 107 | $551K |
| Life insurance | PRUDENTIAL | 150 | $27K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 150 | $77K |
| Long-term disability | CIGNA GROUP INSURANCE | 147 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.