| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 631053700 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $56 | $1K | 10.37% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $122 | $134 | $256 | 2.08% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $402 | — | $402 | 14.98% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $307 | — | $307 | 14.99% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $230 | — | $230 | 15.02% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $26 | $7 | $33 | 8.87% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 429 | $143K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $12K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 429 | $143K |
| Life insurance | USABLE LIFE | 213 | $372 |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $2K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $2K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.