| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY WALLACE3 | P.O. BOX 5806 MARYVILLE, TN 37802 | BLUERE OF TENNESSEE | $36K | — | $36K | 14.94% |
| JEFFREY WALLACE3 | 550 E. BROADWAY AVENUE MARYVILLE, TN 37804 | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | $13K | — | $13K | 11.52% |
| JEFF WALLACE3 | 550 EAST BROADWAY MARYVILLE, TN 37804 | PAN-AMERICAN LIFE INSURANCE CO | $6K | — | $6K | 9.76% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP LLC | P.O. BOX 5806 MARYVILLE, TN 37802 | UNITED OF OMAHA LIFE INSURANCE | $9K | — | $9K | 15.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 13.61% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP LLC | P.O. BOX 5806 MARYVILLE, TN 37802 | UNITED OF OMAHA LIFE INSURANCE | $653 | — | $653 | 14.99% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP LLC | 550 E.BROADWAY MARYVILLE, TN 37804 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY | $353 | — | $353 | 13.01% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 311 | $241K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 391 | $117K |
| Vision | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 391 | $114K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 283 | $4K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 283 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.