| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUERE OF TENNESSEE | $48K | — | $48K | 13.84% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | 3.70% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | — | $6K | 9.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.57% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| JEFFREY S BLOCKER3 | 2 CENTRAL STREET FRAMINGHAM, MA 01701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $557 | — | $557 | 1.71% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $496 | — | $496 | 1.52% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 1.50% |
| JEFFREY S PEARSON3 | 408 STONE CHIMNEY COURT NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | — | $482 | 1.48% |
| ARI JOSEPH WEXLER3 Filed as: ARI J WEXLER | 11 STOCKDAL EAST ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 0.59% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.51% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.33% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.30% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.30% |
| JON R OVERACRE3 | 916 SOUTH WICKSHIRE WAY BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| DANIEL BREWER3 | 106 CASTLEVIEW DRIVE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| DANIEL P CLARK3 Filed as: DANIEL L CLARK | 33 LANDAU ROAD PLAINFIELD, 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 | $1K | — | $1K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $472 | — | $472 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $254 | $82 | $336 | 19.83% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 629 | $57K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $243K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 312 | $54K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 687 | $344K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 554 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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."
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.