| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONNA BAKER3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43K | — | $43K | 4.58% |
| ANDREW RADER3 | 200 PROSPERITY DR STE 122 KNOXVILLE, TN 37923 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $35K | — | $35K | 3.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 15.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | — | $562 | 1.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES,INC. | PO BOX 8299 PASADENA, CA 91109 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $279 | — | $279 | 0.87% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 399 | $945K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 399 | $945K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 167 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $143K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.