| 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 | — | $98K | $98K | 2.74% |
| HARVEY INSURANCE RESOURCES3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | DELTA DENTAL OF TENNESSEE | $18K | — | $18K | 6.50% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| 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 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.00% |
| 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 | 3.80% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $662 | — | $662 | 10.00% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $542 | — | $542 | 10.00% |
| 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 | 546 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 637 | $3.6M |
| Dental | DELTA DENTAL OF TENNESSEE | 766 | $275K |
| Vision | VISION SERVICE PLAN | 365 | $42K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 506 | $101K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $131K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 458 | $184K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 506 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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."
No prospect flags tripped on this filing.