| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAM STITT3 | PO BOX 807 COVINGTON, TN 38019 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $31K | $31K | 1.94% |
| MITCHELL R STITT3 | 102 W LIBERTY AVE COVINGTON, TN 38019 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $22K | $22K | 1.37% |
| JONATHAN GOODSON3 | 211 ATHENS WAY STE 200 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $12K | $12K | 0.77% |
| FINANCIAL PRODUCTS AND SERVICE3 | STE 100 211 ATHENS WAY NASHVILLE, TN 37228 | UNUM | $8K | — | $8K | 7.88% |
| FINANCIAL PRODUCTS AND SERVICES3 | 211 ATHENS WAY SUITE 200 NASHVILLE, TN 37228 | UNUM | $7K | — | $7K | 16.39% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 191 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 191 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 191 | $1.6M |
| Life insurance(2 contracts) | UNUM | 228 | $138K |
| Short-term disability | UNUM | 228 | $98K |
| Long-term disability | UNUM | 228 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.