| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARA KENT3 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $15K | — | $15K | 0.29% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.18% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.17% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $838 | — | $838 | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.37% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GRO | 1485 NORTH PARK DRIVE WESTON, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | $1K | $1K | 3.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.89% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GRO | 1485 NORTH PARK DRIVE WESTON, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | $2K | $2K | 4.99% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.69% |
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 | 2,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,014 | $5.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,014 | $5.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,014 | $5.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,424 | $134K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $109K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,361 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,424 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.