| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $118K | $118K | 3.02% |
| HARVEY INSURANCE RESOURCES3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | DELTA DENTAL OF TENNESSEE | $17K | — | $17K | 6.50% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.00% |
| HARVEY INSURANCE RESOURCES3 Filed as: HARVEY INSURANCE RESOURCES LLC | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | VISION SERVICE PLAN | $2K | — | $2K | 4.04% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $646 | — | $646 | 9.99% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $517 | — | $517 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Contract Administrator Service code 13 | — | $0 |
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 | 506 | 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) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 635 | $3.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 752 | $255K |
| Vision | VISION SERVICE PLAN | 353 | $41K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $98K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $120K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 437 | $182K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.