| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS WILLIAMS3 | 102 WOODMONT BLVD., SUITE 460 NASHVILLE, TN 37205 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $27K | — | $27K | 0.36% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 20.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY., SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY., SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $734 | — | $734 | 1.00% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY., SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $703 | — | $703 | 1.00% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY., SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $422 | — | $422 | 1.00% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY., SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137 | — | $137 | 1.00% |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,578 | $7.6M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,585 | $448K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,296 | $81K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,006 | $148K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 579 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $70K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,006 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,585 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.