| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | BLUERE OF TENNESSEE | $31K | — | $31K | 14.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 11.58% |
| JEFFREY S BLOCKER3 | 2 CENTRAL STREET FRAMINGHAM, MA 01701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $941 | — | $941 | 1.88% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $837 | — | $837 | 1.67% |
| JEFFREY PEARSON3 | 408 STONE CHIMNEY COURT NASHVILLE, TN 99354 | CONTINENTAL AMERICAN INSURANCE COMPANY | $816 | — | $816 | 1.63% |
| JORDAN S SMITH3 | 4751 TROULDALE DRIVE SUITE 106 NASHVILLE, TN 37220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $812 | — | $812 | 1.62% |
| ARI JOSEPH WEXLER3 Filed as: ARI J WEXLER | 11 STOCKDALE ROAD NEEDHAM, MA 02792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 0.65% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 0.58% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.37% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.34% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.34% |
| JON R OVERACRE3 | 916 SOUTH WICKSHIRE WAY BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.09% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| DANIEL BREWER3 | 106 CASTLEVIEW DRIVE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DANIEL P CLARK3 Filed as: DANIEL L CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, ME 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JOHN GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $5K | — | $5K | 9.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $218 | — | $218 | 15.03% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $50K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $50K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 597 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $212K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $212K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 657 | $212K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.