No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $636K |
| SOUTHERN BENEFITS ADMINISTRATORS IN EIN 62-1116095 NONE | Plan Administrator; Direct payment from the plan; Consulting (general) Service code 14 | — | $377K |
| LAPADULA CARLSON & CO. EIN 65-0292391 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 06-1761045 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $22K |
| GOODWIN, MORRIS, LURENZI & BLOOMFIE EIN 62-1371542 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| OSBORN, CARREIRO & ASSOCIATES INC. EIN 71-0631123 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $7K |
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 | 1,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 292 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ASSOCIATION | 1,325 | $626K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 1,379 | $38K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE CO. | 1,315 | $38K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,315 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,379 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.