| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL ST BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $98K | $98K | 5.81% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $11K | $30K | $40K | 14.86% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 2ND FL BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $2 | $269 | 2.88% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 400 POST AVE STE 210 WESTBURY, NY 11590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 1.74% |
| MCO PARTNERS LLC3 | 6 ELM ST MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.13% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES M CUNNINGHAM | 1213 GETTYSVUE WAY KNOXVILLE, TN 37932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 1.10% |
| MARY DAUGHERTY3 | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.82% |
| CURTIS E SHOEMAKER3 | 7712 CEDARCREST RD KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.81% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.53% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.45% |
| DEBORAH PADGETT GREENWELL3 | 429 ASHLEY AVE PIGEON FORGE, TN 37863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.14% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 287 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 287 | $1.7M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 287 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 205 | $272K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 205 | $272K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 205 | $272K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 205 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.