| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTEN M ALLISON3 Filed as: KRISTEN M. ALLISON | 2220 DOUGLAS BOULEVARD, SUITE 170 ROSEVILLE, CA 95661 | BLUECROSS BLUESHIELD OF TENNESEE, INC | $74K | $0 | $74K | 3.89% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 4.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $7K | $17K | 16.92% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 7676 NORTH PALM AVENUE, SUITE 106 FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 36.70% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, NV 92612 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.98% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $270 | $0 | $270 | 1.06% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 7676 NORTH PALM AVENUE, SUITE 106 FRESNO, CA 93711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $322 | $4K | 22.39% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | CLAREMONT BEHAVIORAL SERVICES | $625 | $0 | $625 | 4.87% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESEE, INC | 338 | $1.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 356 | $112K |
| Vision | VISION SERVICE PLAN | 162 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $100K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $100K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESEE, INC | 338 | $1.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.