| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION INC - PAULA BUTTS | P.O. BOX 1779 BOWLING GREEN, KY 42102 | ASSURANT | $71K | — | $71K | 1.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $191K | $102K | $293K | 4.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - AFFORDABLE | $85K | — | $85K | 1.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - BEST BUY | $81K | — | $81K | 1.78% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $91K | — | $91K | 2.22% |
| BILL BEELER3 | 101 MAYFIELD LN HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $72K | — | $72K | 2.50% |
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS | P.O. BOX 1439 HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $43K | — | $43K | 1.50% |
| BRUNO MARK Filed as: BRUNO MARK FINANCIAL | 2881 S VALLEY VIEW BLVD STE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $53K | — | $53K | 3.10% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | 900 SOUTH GAY ST, 4TH FLOOR KNOXVILLE, TN 37902 | DAVIS VISION | $43K | — | $43K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - LC BEST BUY 3 TIER | $187K | — | $187K | 17.78% |
| AON CONSULTING INC Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - LOW OPT 3 TIER | $12K | — | $12K | 1.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HEALTH NEW ENGLAND, INC. | $15K | — | $15K | 2.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | P.O. BOX 905494 CHARLOTTE, NC 282905494 | FALLON COMMUNITY HEALTH PLAN | $14K | — | $14K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ETHORITY, LLC EIN 57-0956262 NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $214K |
| MODERN WAY PRINTING EIN 62-1228798 NONE | Copying and duplicating Service code 36 | 8817 PRODUCTION LANE OOLTEWAH, TN 37363 | $79K |
| ADP INC EIN 13-3036745 NONE | Other services Service code 49 | 1 ADP BLVD ROSELAND, NJ 07068 | $75K |
| PROVECTUS HEALTH STRATEGIES, LLC EIN 45-2048643 NONE | Other services Service code 49 | 1640 POWERS FERRY RD BLDG 26 STE 35 MARIETTA, GA 30067 | $74K |
| BENEFITFOCUS.COM EIN 57-1099948 NONE | Other services Service code 49 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $56K |
| HC 21 EIN 62-1709733 NONE | Other services Service code 49 | 625 MARKET ST, SUITE 900 KNOXVILLE, TN 37902 | $29K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Other services Service code 49 | 901 NORTH GLOBE ROAD ARLINGTON, VA 22203 | $27K |
| ELLIOTT DAVIS DECOSIMO, LLC EIN 57-0381582 NONE | Accounting (including auditing) Service code 10 | 629 MARKET STREET, SUITE 100 CHATTANOOGA, TN 37402 | $21K |
| OGLETREE & DEAKINS, & STEWART, PC EIN 57-1044820 NONE | Other services Service code 49 | P.O BOX 89 COLUMBIA, SC 29202 | $10K |
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 | 26,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 804 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | HARVARD PILGRIM - AFFORDABLE | 935 | $18.3M |
| Dental | ASSURANT | 17,055 | $7.1M |
| Vision | DAVIS VISION | 25,925 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 26,682 | $11.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 18,672 | $6.9M |
| Prescription drug | HEALTH PLAN OF NEVADA | 414 | $1.7M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 26,682 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,682 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.