| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 800 CRESCENT DR SUITE 600 FRANKLIN, TN 37067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $194K | $194K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY #300 LOUISVILLE, KY 40222 | SYMETRA LIFE INSURANCE COMPANY | $71K | $13K | $84K | 14.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTRE BLVD STE 200 JEFFERSONVILLE, IN 47130 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 18.39% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $360 | $360 | 0.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 840 CRESCENT CENTRE DR STE 300 FRANKLIN, TN 37067 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 484 | $4.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 951 | $356K |
| Vision | VISION SERVICE PLAN | 453 | $59K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 505 | $589K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 505 | $589K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 505 | $589K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 701 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.