| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK THOMPSON3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $97K | — | $97K | 3.64% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.19% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $878 | — | $878 | 0.64% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.12% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $411 | — | $411 | 0.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.23% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $258 | — | $258 | 0.60% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 661 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 661 | $2.7M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 661 | $2.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 277 | $136K |
| Short-term disability | STANDARD INSURANCE COMPANY | 273 | $43K |
| Long-term disability | STANDARD INSURANCE COMPANY | 273 | $75K |
| Other | STANDARD INSURANCE COMPANY | 277 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.