| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEN HANBACK3 | 725 COOL SPRINGS BLVD., SUITE 410 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $33K | — | $33K | 6.40% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 725 COOL SPRINGS BLVD., #410 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 405 E. SAINT PETER ST. NEW IBERIA, LA 70560 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $282 | $282 | 1.10% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | DEPT 268 P.O. BOX 2153 BIRMINGHAM, AL 35287 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 5.02% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 121 | $516K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 121 | $516K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 121 | $516K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $27K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $26K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.