| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W BOSTON3 Filed as: THOMAS A DAMPF | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 9.02% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOC INC | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $353 | $3K | 17.24% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES, INC. | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $512 | — | $512 | 3.74% |
| PANCOAST & ASSOCIATES INC3 | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $295 | $2K | 12.22% |
| PANCOAST & ASSOCIATES INC3 | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $414 | $2K | 18.54% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 145 | $54K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 145 | $54K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $29K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 98 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $12K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 85 | $161K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.