| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JESSICA PARROTT3 | P O BOX 700 NORTON, VA 24273 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $55K | — | $55K | 3.56% |
| SOUTH-WEST INSURANCE AGENCY INC.3 Filed as: SOUTH-WEST INSURANCE AGENCY, INC | PO BOX 700 NORTON, VA 242730700 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.01% |
| RUSSELL W. INGRAM3 Filed as: RUSSELL W INGRAM | 1303 SUNSET DR STE 3 JOHNSON CITY, TN 37604 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 20.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 429 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 429 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 429 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 212 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.