| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAMUEL BROWN - PRICE & RAMEY INS | 1524 BRIDGEWATER LANE, SUITE 101 KINGSPORT, TN 37660 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $203K | — | $203K | 4.16% |
| PRICE & RAMEY3 Filed as: PRICE & RAMEY INSURANCE | 1524 BRIDGEWATER LANE, SUITE 101 KINGSPORT, TN 37660 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 15.49% |
| PRICE & RAMEY3 Filed as: PRICE & RAMEY INC | 1524 BRIDGEWATER LANE, SUITE 101 KINGSPORT, TN 37660 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| PRICE & RAMEY3 Filed as: PRICE & RAMEY INSURANCE | 1524 BRIDGEWATER LANE, SUITE 101 KINGSPORT, TN 37660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PRICE & RAMEY3 Filed as: PRICE & RAMEY INSURANCE AGENCY | 1524 BRIDGEWATER LANE, SUITE 101 KINGSPORT, TN 37660 | VISION SERVICE PLAN | $1K | — | $1K | 5.22% |
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 | 973 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 973 | $4.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 973 | $4.9M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 973 | $4.9M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 560 | $269K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 560 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 560 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.