| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MCINTYRE3 | PO BOX 568 DICKSON, TN 37056 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $46K | — | $46K | 4.88% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $8K | $0 | $8K | 10.00% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $635 | $1 | $636 | 1.58% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $2K | $0 | $2K | 10.00% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $2K | $2 | $2K | 10.04% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $3K | $3 | $3K | 13.66% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $910 | $7 | $917 | 15.12% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $644 | $0 | $644 | 11.00% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 141 | $953K |
| Dental | RELIANCE STANDARD LIFE INSURNACE COMPANY | 183 | $76K |
| Vision | RELIANCE STANDARD LIFE INSURNACE COMPANY | 183 | $76K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 179 | $46K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 106 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURNACE COMPANY | 66 | $21K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 313 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.