| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $297K | — | $297K | 4.03% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 753202617 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 1.39% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.03% |
| CONDUENT HR CONSULTING LLC3 | P.O. BOX 202617 DALLAS, TX 753202817 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25K | $6K | $31K | 18.67% |
| MARK HENRY RODDEN3 | 10975 BENSON DRIVE SUITE 350 OVERLAND PARK, KS 662102130 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $10K | $12K | 7.01% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 4.90% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $11K | — | $11K | 10.54% |
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 | 5,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 412 | $211K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,437 | $7.4M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,437 | $7.5M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 11,108 | $134K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,437 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.