| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON R OVERACRE3 Filed as: JON CHANEY | 12 CADILLAC DRIVE SUITE 160 BRENTWOOD, TN 37027 | BLUERE OF TENNESSEE | $10K | — | $10K | 1.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV. | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $36K | $15K | $51K | 13.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF TENNESEE EIN 62-0427913 MEDICAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $319K |
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 840 | 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) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 845 | $604K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 840 | $378K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 840 | $378K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 840 | $378K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 840 | $378K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 840 | $378K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 840 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.