| 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. | $38K | — | $38K | 4.57% |
| JOSEPH HOILMAN3 | — | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $11K | — | $11K | 1.38% |
| BCS WEALTH MANAGEMENT3 Filed as: BCS FINANCIAL, LLC | 801 F SUNSET DRIVE STE 1 JOHNSON CITY, TN 37604 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 10.00% |
| SOUTH-WEST INSURANCE AGENCY INC.3 Filed as: SOUTH-WEST INS AGENCY INC | PO DRAWER S 220 WOOD AVE BIG STONE GAP, VA 24219 | HARTFORD LIFE AND ACCIDENT | $28 | — | $28 | 0.01% |
| VARIOUS - SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $635 | — | $635 | 3.12% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $822K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $822K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $822K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166 | $199K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $199K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $199K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.