| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | DELTA DENTAL | $103K | — | $103K | 7.00% |
| BIRD, ISBELL, & ASSOCIATES3 | 911 TUSCUMLUM BLVD GREENVILLE, TN 37745 | DEARBORN NATIONAL LIFE INSURANCE CO. | $74K | — | $74K | 10.00% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE CO. | $55K | — | $55K | 21.79% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | UNITED HEALTHCARE INSURANCE CO | $20K | — | $20K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 ASO | Claims processing Service code 12 | 11130 KINGSTON PIKE SUITE 1-334 KNOXVILLE, TN 37934 | $1.6M |
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 | 2,655 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 5,368 | $199K |
| Dental | DELTA DENTAL | 5,389 | $1.5M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO. | 3,008 | $742K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO. | 3,008 | $749K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 1,239 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,389 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.