| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIE B HOOP III3 Filed as: LOUIE B HOOP | 7003 CHADWICK DRIVE SUITE 321 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 0.42% |
| TIMOTHY FINNELL3 Filed as: TIMOTHY ALEXANDER | 800 MAIN ST DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 0.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | 800 MAIN STREET DUBUQUE, IA 52001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 7.32% |
| THE CARSON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.36% |
| TRUENORTH COMPANIES LC3 | 7003 CHADWICK DRIVE SUITE 321 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $426 | $11K | 5.31% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 254 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $206K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $206K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $206K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
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.