| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS3 Filed as: LUCENT HEALTH SOLUTIONS, LLC | 424 CHURCH ST. SUITE 2300 NASHVILLE, TN 37219 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 10.71% |
| POINT6 HEALTHCARE LLC3 Filed as: POINT6 HEALTHCARE, LLC | 6860 DALLAS PKWY SUITE 200 PLANO, TX 75024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 5.00% |
| SWALLOWS INSURANCE AGENCY INC3 Filed as: SWALLOWS INSURANCE AGENCY, INC. | 480 NEAL ST. SUITE 100 COOKEVILLE, TN 38501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 4.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS EIN 65-0851406 | Contract Administrator Service code 13 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $79K |
| CIGNA EIN 82-4991898 | Other insurance fees and expenses Service code 73 | PO BOX 645014 CINCINNATI, OH 45264 | $27K |
| SWALLOWS INSURANCE EIN 62-0966633 | Insurance brokerage commissions and fees Service code 53 | 480 NEAL STREET COOKEVILLE, TN 38501 | $19K |
| OPTUMHEALTH | Other insurance fees and expenses Service code 73 | 62725 COLLECTION CTR. DR. CHICAGO, IL 60693 | $12K |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $480K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $480K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $480K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.