| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | DELTA DENTAL | $81K | — | $81K | 5.00% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE CO. | $160K | — | $160K | 12.48% |
| TRINITY BENEFIT ADVISORS, INC. | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED HEALTHCARE INSURANCE CO | $22K | — | $22K | 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 | $2.0M |
| TASC EIN 39-1561025 CONTRACT ADMIN | Contract Administrator Service code 13 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $44K |
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 | 2,826 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 5,596 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE CO | 2,280 | $219K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO. | 1,586 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 1,586 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 1,586 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,596 | — |
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.