| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUNN, THOMAS F3 | 983 WYNDHAM DRIVE GALLATIN, TN 37066 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 3.00% |
| BURROUGHS, THOMAS R3 | 211 BUCHANAN CIRCLE HENDERSONVLLE, TN 37075 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 3.00% |
| THOMAS WILLIAMSON3 Filed as: THOMAS F DUNN | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 5.29% |
| THOMAS BURROUGHS3 Filed as: THOMAS R BURROUGHS | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 5.29% |
| BDI ADVISORS3 Filed as: BDI ADVISORS LLC | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 18.50% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $664 | — | $664 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $664 | — | $664 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 18.50% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $825 | — | $825 | 12.51% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $454 | — | $454 | 15.01% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $454 | — | $454 | 15.01% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 76 | $487K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 83 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $7K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $27K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.