| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATE INSURANCE GROUP, INC.3 Filed as: STRATE INSURANCE GROUP INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.77% |
| RONALD E KIRKLAND3 Filed as: RONALD L BAKER | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$165 | $0 | -$165 | -0.16% |
| STRATE INSURANCE GROUP, INC.3 Filed as: STRATE INSURANCE GROUP INC | 1750 W ANDREW JOHNSON HWY MORRISTOWN, TN 37814 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 14.99% |
| BARGER GROUP LLC3 | 106 FARRELL AVE SUITE 6 KINGSPORT, TN 37663 | HARTFORD LIFE AND ACCIDENT | $12 | $0 | $12 | 0.01% |
| CHRISTINE GOSSER3 | 1750 W ANDREW JOHNSON HWY MORRISTOWN, TN 37814 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $5K | $0 | $5K | 8.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TN INC EIN 62-0427913 CARRIER | Contract Administrator; Claims processing Service code 12 | — | $80K |
| CHRISTINE GOSSER BROKER | Insurance agents and brokers Service code 22 | 1750 W ANDREW JOHNSON HWY MORRISTOWN, TN 37814 | $21K |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $157K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $104K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 83 | $100K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 83 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 83 | $100K |
| Other | HARTFORD LIFE AND ACCIDENT | 83 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.