| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUERE OF TENNESSEE | $0 | $541K | $541K | 80.85% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUERE OF TENNESSEE | $81K | $0 | $81K | 12.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | SUNLIFE ASSURANCE COMPANY OF CANADA | $29K | $15K | $44K | 12.28% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GENERA | 2000 CHAPEL VIEW RD SUITE 240 CRANSTON, RI 02920 | SUNLIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 4.35% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64K | $19K | $83K | 31.84% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | $0 | $9K | 9.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $262 | $0 | $262 | 18.07% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,050 | $94K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 575 | $624K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 575 | $624K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 575 | $362K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 1,131 | $669K |
| Other(3 contracts, 3 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 575 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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.