| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID FIGLESTAHLER3 | PO BOX 1395 CLEVELAND, TN 37364 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $80K | — | $80K | 3.72% |
| MATTHEW BOLES3 Filed as: MATTHEW TAYLOR | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $13K | — | $13K | 0.62% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 9.34% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 3.48% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 648 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 648 | $2.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 648 | $2.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $288K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $288K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $288K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.