| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: CHRIS ROGERS | 8700 TRAIL LAKE DRIVE WEST SUITE 300 MEMPHIS, TN 38125 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $44K | $0 | $44K | 3.21% |
| JOHN EICHMANN3 | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 62211 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $19K | $0 | $19K | 1.36% |
| MATTHEW FONES3 Filed as: MATTHEW K. GREGORY | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $12K | $0 | $12K | 0.85% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 10.74% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.68% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $4K | $31 | $4K | 7.70% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 3.83% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 217 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 217 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 217 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $110K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE | 217 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.