| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAYLOR LINDSEY3 | PO BOX 670 RICHLANDS, TX 24641 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $37K | $0 | $37K | 5.46% |
| EMPLOYEE BENEFIT CONSULTANTS3 | PO BOX 670 RICHLANDS, VA 24641 | SYMETRA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | PO BOX 120 MOUNT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 6.62% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | PO BOX 120 MOUNT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.43% |
| TAYLOR Y. LINDSEY3 | 310 STONEWALL HEIGHTS ABINGDON, VA 24210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 25.78% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $348 | $0 | $348 | 1.13% |
| WESTPAC WEALTH PARTNERS LLC3 | UNKNOWN JOHNSON CITY, TN 37604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | $0 | $70 | 0.23% |
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 |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 152 | $677K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 152 | $677K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 127 | $116K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 127 | $116K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 127 | $116K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 152 | $677K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 127 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
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.