| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1945 SCOTTSVILLES RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $64K | $8K | $72K | 16.95% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 2.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $126K | — | $126K | 36.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO #550 SAN ANTONIO, TX 78232 | SYMETRA LIFE INSURANCE COMPANY | $84K | — | $84K | 24.34% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $17K | $17K | 4.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY #300 LOUISVILLE, KY 40222 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF TENNESSEE | $29K | — | $29K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUERE OF TENNESSEE EIN 62-0427913 PLAN ADMINISTRATION | Contract Administrator Service code 13 | — | $460K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 RX ADMIN | Contract Administrator Service code 13 | — | $35K |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,136 | $288K |
| Vision | DELTA DENTAL OF TENNESSEE | 1,079 | $77K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 910 | $426K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 910 | $426K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 910 | $426K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,544 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.