| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $1K | $47K | 14.20% |
| PROF ENROLLMENT CONCEPTS INC3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $847 | $0 | $847 | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $364 | $0 | $364 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.01% |
| JOHN BYERS3 Filed as: JOHN T. WEATHERMAN | 5000 MERIDIAN BOULEVARD, SUITE 530 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | $0 | $6K | 9.46% |
| ROBERT MOSS3 | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | HCC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 175 | $90K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 547 | $332K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 547 | $332K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 547 | $332K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 547 | $332K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 547 | $332K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 25 | $61K |
| Other(3 contracts, 3 carriers) | QBE INSURANCE COMPANY | 2,160 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,160 | — |
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.