| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS WILLIAMSON3 Filed as: THOMAS DUNN | 983 WYNDHAM DRIVE GALLATIN, TN 37066 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 5.35% |
| THOMAS BURROUGHS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 5.35% |
| 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 | $2K | $328 | $2K | 17.75% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $281 | $2K | 22.11% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $973 | — | $973 | 12.50% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $259 | $1K | 18.41% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $759 | — | $759 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | $138 | $679 | 12.55% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | — | $541 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $941 | $168 | $1K | 21.80% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $636 | — | $636 | 12.50% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $305 | $61 | $366 | 18.00% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $305 | — | $305 | 15.00% |
| BDI ADVISORS3 | 211 BUCHANAN CIRCLE HENDERSONVILLE, TN 37075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 20.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | — | $156 | 10.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 88 | $43K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $13K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $29K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.