| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO RD, SUITE 200W BOCA RATON, FL 33431 | GUARDIAN | $34K | — | $34K | 6.97% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFITS ADVISORS | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | GUARDIAN | $25K | — | $25K | 5.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO RD, SUITE 200W BOCA RATON, FL 33431 | GUARDIAN | — | $14K | $14K | 2.87% |
| STUART R. WORDEN3 | 422 S GAY STREET, SUITE 200 KNOXVILLE, TN 37902 | LINCOLN FINANCIAL GROUP | $12K | — | $12K | 8.68% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFITS ADVISORS | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | LINCOLN FINANCIAL GROUP | $9K | — | $9K | 6.32% |
| ANDREW RADER3 Filed as: ANDREW MANN | 6216 HIGHLAND PLACE WAY SUITE 102 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $7K | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $222K |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 903 | $0 |
| Dental | GUARDIAN | 751 | $491K |
| Vision | GUARDIAN | 751 | $491K |
| Life insurance | GUARDIAN | 751 | $491K |
| Short-term disability | GUARDIAN | 751 | $491K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 785 | $142K |
| Other | GUARDIAN | 751 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.