| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $33K | — | $33K | 5.75% |
| JUSTIN BURNS3 | PO BOX 459 GREENEVILLE, TN 37743 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | — | $2K | 0.36% |
| TED FRIZEN3 | 211 ATHENS WAY STE 100 NASHVILLE, TN 37228 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $1K | — | $1K | 0.26% |
| HERITAGE COMMUNITY INS3 | 114 W CHURCH STREET GREENEVILLE, TN 37745 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $1K | — | $1K | 0.18% |
| STROTHER & ASSOCIATES3 | PO BOX 1575 JOHNSON CITY, TN 37605 | CIGNA GROUP INSURANCE | $3K | — | $3K | 8.73% |
| TRINITY BENEFIT ADVISORS, INC. | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | CIGNA GROUP INSURANCE | $451 | — | $451 | 1.27% |
| STROTHER & ASSOCIATES3 | PO BOX 1575 JOHNSON CITY, TN 37605 | PRUDENTIAL | $2K | — | $2K | 12.47% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | PRUDENTIAL | $132 | — | $132 | 0.89% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $55 | $55 | 0.37% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 157 | $572K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 157 | $572K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 157 | $572K |
| Life insurance | PRUDENTIAL | 157 | $15K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 157 | $50K |
| Long-term disability | CIGNA GROUP INSURANCE | 157 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.