| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT HAILE & COMPANY3 | 419 N CHANCERY ST MCMINNVILLE, TN 371110601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| SCOTT HAILE & COMPANY | 419 N CHANCERY ST MCMINNVILLE, TN 371110601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $13K | 22.70% |
| SCOTT HAILE & COMPANY3 | 419 N CHANCERY ST MCMINNVILLE, TN 371110601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 22.69% |
| SCOTT HAILE & COMPANY3 | 419 N CHANCERY ST MCMINNVILLE, TN 371110601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $321 | $67 | $388 | 18.14% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 536 | $246K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 339 | $43K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.