| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID P SORSBY3 Filed as: DAVID L SOUERS | 26 CENTURY BLVD. NASHVILLE, TN 37214 | BLUERE OF TENNESSEE | — | $10K | $10K | 1.50% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD. NASHVILLE, TN 37214 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.95% |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,048 | $668K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,048 | $260K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,048 | $260K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 967 | $246K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 967 | $246K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 967 | $246K |
| Other(2 contracts, 2 carriers) | BLUERE OF TENNESSEE | 1,048 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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."
No prospect flags tripped on this filing.