| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL ST BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $102K | $102K | 5.64% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $11K | $14K | $25K | 9.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANC BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 24.46% |
| EPSIX, INC.3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 14.84% |
| GIANA M COURT3 | 544 VAN BUREN ST APT 1 BROOKLYN, NY 11221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $895 | — | $895 | 4.51% |
| OLIVIA DUVALL3 | 3717 SNOWDRIFT CIRCLE 104 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $746 | — | $746 | 3.76% |
| WILLIAM P. HILL3 Filed as: WILLIAM PAUL HILL | 35 KENNETH AVE HUNTINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 3.66% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | — | $462 | 2.33% |
| CHARLEEN A WRIGHT3 Filed as: CHARLEEN ANTOINETTE WRIGHT | 3816 COYOTE CIRCLE VIRGINA BEACH, VA 23456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $424 | — | $424 | 2.14% |
| ROBERT THOMAS JENSEN3 | 6 POND FIELD COURT COLD SPRING HARBOR, NY 11724 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELMER BROWN | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | — | $208 | 1.05% |
| GEORGE B WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.37% |
| ANGELA MONTENEGRO3 | 232 COLIGNI AVENUE NEW ROCHELLE, NY 11080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.11% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES M CUNNINGHAM | 1213 GETTYSVUE WAY KNOXVILLE, TN 37932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 1.92% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 2ND FL BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 1.41% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 400 POST AVE STE 210 WESTBURY, NY 11590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 1.27% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.89% |
| MARY DAUGHERTY3 | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.85% |
| CURTIS E SHOEMAKER3 | 7712 CEDARCREST RD KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.64% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.54% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.42% |
| DEBORAH PADGETT GREENWELL3 | 429 ASHLEY AVE PIGEON FORGE, TN 37863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.20% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 287 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 287 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 287 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $277K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $277K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $277K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $303K |
| 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.