| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUERE OF TENNESSEE | $0 | $362K | $362K | 60.57% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUERE OF TENNESSEE | $12K | $259K | $271K | 45.37% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUERE OF TENNESSEE | $68K | $0 | $68K | 11.35% |
| NAVITUS HEALTH5 Filed as: NAVITUS HEALTH SOLUTIONS | NOT PROVIDED UNKNOWN, MA 02110 | BLUERE OF TENNESSEE | $0 | $59K | $59K | 9.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.12% |
| EMERSON REID LLC3 | 5250 N PALM FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | $0 | $8K | 9.85% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $542 | $0 | $542 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $258 | $30 | $288 | 16.72% |
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 | 568 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 918 | $77K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 568 | $243K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 562 | $79K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 1,052 | $597K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 568 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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.