| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARGARET SPALDING3 Filed as: MARGARET M. SPALDING | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | $0 | $19K | 0.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110K | $8K | $118K | 16.50% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST SR 426 SUITE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $6K | $47K | 6.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 3.45% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.28% |
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 | 889 | 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) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,687 | $9.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,808 | $574K |
| Vision | VISION SERVICE PLAN | 822 | $89K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 889 | $714K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 889 | $714K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 889 | $714K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,687 | $9.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 889 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,808 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.