| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TREVOR COE3 | 8122 SAWYER BROWN ROAD #206 NASHVILLE, TN 37221 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $79K | — | $79K | 3.34% |
| LEVINE GROUP LLC3 | 5141 VIRGINIA WAY STE 370 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 12.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $308 | $308 | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | -$15 | — | -$15 | -0.02% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 604 | $2.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 604 | $2.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 295 | $84K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $84K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $84K |
| Other | HARTFORD LIFE AND ACCIDENT | 295 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.