| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $127K | $4K | $131K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $12K | $0 | $12K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | RELIASTAR LIFE INSURANCE COMPANY | $53K | $0 | $53K | 12.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $9K | $9K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $7K | $0 | $7K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET BUFFALO, NY 14204 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $296 | $0 | $296 | 7.43% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $85 | $0 | $85 | 2.13% |
| LARRY FRANKS3 | 3200 WEST END AVENUE NASHVILLE, TN 37203 | USABLE LIFE | $85 | $0 | $85 | 2.13% |
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 | 713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,433 | $5.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,459 | $413K |
| Vision | VISION SERVICE PLAN | 510 | $71K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,309 | $408K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,309 | $408K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,309 | $408K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,433 | $5.8M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,309 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,459 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.