| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | BLUERE OF TENNESSEE | $35K | — | $35K | 14.91% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.53% |
| JOHN GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $5K | — | $5K | 9.96% |
| JEFFREY S BLOCKER3 | 2 CENTRAL STREET FRAMINGHAM, MA 01701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $818 | — | $818 | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | — | $729 | 1.56% |
| JEFFREY PEARSON3 | 408 STONE CHIMNEY COURT NASHVILLE, TN 99354 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 1.52% |
| JORDAN S SMITH3 | 4751 TROULDALE DRIVE SUITE 106 NASHVILLE, TN 37220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $707 | — | $707 | 1.51% |
| ARI JOSEPH WEXLER3 Filed as: ARI J WEXLER | 11 STOCKDALE ROAD NEEDHAM, MA 02792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | — | $282 | 0.60% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.54% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 0.34% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.31% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.31% |
| JON R OVERACRE3 | 916 SOUTH WICKSHIRE WAY BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| DANIEL BREWER3 | 106 CASTLEVIEW DRIVE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 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, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.61% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $340 | — | $340 | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $233 | — | $233 | 14.99% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $41K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $41K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 243 | $48K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $179K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $43K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 673 | $237K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.