| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZANDER INSURANCE3 Filed as: ZANDER INSURANCE AGENCY | 6213 CHARLOTTE PIKE NASHVILLE, TN 37209 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $218K | — | $218K | 26.85% |
| ZANDER INSURANCE3 Filed as: ZANDER INSURANCE AGENCY | 6213 CHARLOTTE PIKE NASHVILLE, TN 37209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.33% |
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 | 860 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,217 | $813K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,017 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,217 | — |
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.