| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE HAWKINS3 | 8 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUERE OF TENNESSEE | $69K | — | $69K | 5.82% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.29% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NE #200 ATLANTA, GA 30326 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.83% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | KAISER FOUNDATION HEALTH PLAN INC | -$5 | $700 | $695 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 8.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 8 CADILLAC DR. STE 200 CREEKSIDE CROSSING BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $107 | $8K | 18.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $502 | $502 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE STE 200 CREEKSIDE CROSSING BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $107 | $4K | 18.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $223 | $223 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $2K | — | $2K | 9.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4275 EXECUTIVE SQ. STE 600 LA JOLLA, CA 92037 | METLIFE LEGAL PLANS | — | $106 | $106 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | — | $29 | $29 | 0.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $8 | $8 | 0.05% |
| GROUP INSURANCE SERVICE INC3 Filed as: GROUP INSURANCE SERVICE | — | MAGELLAN HEALTH SERVICES | $216 | — | $216 | 2.21% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $513 | — | $513 | 20.01% |
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 | 736 | 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) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUERE OF TENNESSEE | 1,301 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 53 | $101K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,369 | $106K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 736 | $531K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 736 | $531K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 43 | $267K |
| Other(5 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 736 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.