| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEIKO BURKHALTER3 | 3560 LENOX RD SUITE 2400 ATLANTA, GA 30326 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $100K | $0 | $100K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 9465 NEW YORK, NY 10087 | PRINCIPAL LIFE INSURANCE | $39K | $0 | $39K | 10.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA MARSH JCS | PO BOX 28031 NEW YORK, NY 10087 | PRINCIPAL LIFE INSURANCE | $12K | $0 | $12K | 3.46% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 609 | $3.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE | 657 | $360K |
| Short-term disability | PRINCIPAL LIFE INSURANCE | 657 | $360K |
| Long-term disability | PRINCIPAL LIFE INSURANCE | 657 | $360K |
| Other | PRINCIPAL LIFE INSURANCE | 657 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.