| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD, SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.15% |
| SBR SERVICES LLC3 | 2839 PACES FERRY RD SE, SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $1K | $4K | 1.33% |
| RYAN ROTHROCK3 | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $8K | — | $8K | 8.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.34% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ | 1600 DIVISION ST STE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $3K | $804 | $4K | 16.36% |
| CHARLES ROBERT PRUETT3 | 1600 DIVISION ST STE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $638 | $77 | $715 | 2.93% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 281 | $89K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 281 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $87K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $87K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $112K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $288K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.