| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 16.29% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.95% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.50% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.18% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | PROVIDENT LIFE AND ACCIDENT INSURNACE COMPANY | $8K | — | $8K | 15.23% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURNACE COMPANY | $8K | — | $8K | 14.94% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 608 | $419K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 608 | $355K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 608 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.