No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $10.7M |
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 ADMINISTRATOR | Contract Administrator Service code 13 | — | $430K |
| AETNA BEHAVIORAL HEALTH, LLC ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $320K |
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 | 10,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,785 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 667 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AND HUMAN RESOURCE CENTER | 80 | $1K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 28,327 | $0 |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 20,680 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,327 | — |
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 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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.