| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVE. SUITE 300 MEMPHIS, TN 38119 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 2.66% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $300 | $300 | 0.04% |
| MIKE A PRIESTLEY3 | 3100 SUNVIEW DR SUITE 100 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.91% |
| WILLIAM TAYLOR3 Filed as: WILLIAM V PARSONS JR. | 212 HAVERFORD DR. NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.49% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ III | 1600 DIVISION ST SUITE 400 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.49% |
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 | 938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,524 | $456K |
| Vision | HUMANA INSURANCE COMPANY | 515 | $74K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 949 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 938 | $945K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 938 | $945K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC. | 800 | $760K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 949 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,524 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.