| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANNY R. OSTER3 Filed as: DANNY HOILMAN | 801C SUNSET DRIVE STE 100 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $49K | — | $49K | 6.30% |
| SOUTH-WEST INSURANCE AGENCY INC.3 Filed as: SOUTH-WEST INS AGCY INC | PO DRAWER S 220 WOOD AVE BIG STONE GAP, VA 24219 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 6.49% |
| BCS WEALTH MANAGEMENT3 Filed as: BCS FINANCIAL, LLC | 801C SUNSET DRIVE STE 100 JOHNSON CITY, TN 37604 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.23% |
| PEAK INSURANCE MANAGEMENT LLC3 | 600 N STATE OF FRANKLIN RD SUITE 10 JOHNSON CITY, TN 37604 | HARTFORD LIFE AND ACCIDENT | $362 | — | $362 | 0.22% |
| MACKIE FINANCIAL GROUP3 | 3121 BRISTOL HIGHWAY STE B JOHNSON CITY, TN 37601 | HARTFORD LIFE AND ACCIDENT | $104 | — | $104 | 0.06% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $5K | $506 | $6K | 18.81% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $774K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $774K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $774K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $167K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $167K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 155 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.