| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES, INC. | 4205 HILLSBORO PIKE, STE 120 NASHVILLE, TN 37215 | DEARBORN LIFE INSURANCE COMPANY | $324K | — | $324K | 8.57% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | DEARBORN LIFE INSURANCE COMPANY | — | $163K | $163K | 4.32% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES, INC. | 4205 HILLSBORO PIKE, STE 120 NASHVILLE, TN 37215 | GUARDIAN | $288K | — | $288K | 10.00% |
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 | 9,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 9,975 | $2.9M |
| Vision | GUARDIAN | 9,975 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 9,068 | $3.8M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 9,068 | $3.8M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 9,068 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,975 | — |
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.