| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF TENNESSEE | $79K | $0 | $79K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | $100K | $60K | $160K | 7.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $4K | $37K | 7.41% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY, LLC | ONE SEAGATE STE 2050 TOLEDO, OH 43604 | HM LIFE INSURANCE COMPANY | $57K | $0 | $57K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.66% |
| AON CONSULTING INC3 | 950 MAIN AVE STE 1600 CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.48% |
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 | 4,815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 8,318 | $2.6M |
| Vision | HM LIFE INSURANCE COMPANY | 7,322 | $378K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,904 | $2.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,904 | $2.0M |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 225 | $221K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,904 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,318 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.