| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID L SOUERS3 | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUERE OF TENNESSEE | $16K | $10K | $26K | 3.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 CLAIMS PROCESS | Contract Administrator Service code 13 | — | $505K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $38K |
| COMPPSYCH EIN 36-3739783 EAP | Other fees Service code 99 | — | $16K |
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 | 999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 977 | $115K |
| Life insurance(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 850 | $330K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 2,305 | $829K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,305 | — |
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.