| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVINE GROUP LLC3 Filed as: LEVINE GROUP, LLC | 5141 VIRGINIA WAY, SUITE 370 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT INSURANCE | $13K | $0 | $13K | 9.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT INSURANCE | $11K | $0 | $11K | 8.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE | $231 | -$1 | $230 | 0.17% |
| TREVOR COE3 Filed as: TREVOR N. COE | 8122 SAWYER BROWN ROAD, SUITE 206 NASHVILLE, TN 37221 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 5.47% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | $0 | $1K | 4.59% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 414 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE | 292 | $133K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE | 292 | $133K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE | 292 | $133K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE | 414 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.