| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW C BOLES3 | 26 CENTURY BLVD. NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43K | — | $43K | 4.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 8285 TOURNAMENT DRIVE STE 130 MEMPHIS, TN 38125 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 15.03% |
| ROGER WITHEROW & ASSOC3 Filed as: ROGER WITHEROW AND ASSOC. | UNKNOWN COLUMBIA, TN 38401 | AMERICAN UNITED LIFE INSURANCE COMPANY | -$31 | — | -$31 | -0.03% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 364 | $957K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 364 | $957K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 364 | $957K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $109K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $109K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $109K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.