| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3150 S MAIN ST STE 201 HARRISONBURG, VA 22801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $2K | $18K | 16.57% |
| ELIZABETH ZIEGLER3 | PO BOX 1068 COOKEVILLE, TN 38503 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 13.10% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 202 | $55K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 202 | $55K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $109K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $109K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $109K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.