| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP,LLC | 701 B ST FL 6 SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | — | $54K | $54K | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103K | — | $103K | 7.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | — | $59K | 4.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95K | — | $95K | 8.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 3.96% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | RELIASTAR LIFE INSURANCE COMPANY | $271K | — | $271K | 41.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PKWY STE 300 WEST PALM BEACH, FL 334116735 | RELIASTAR LIFE INSURANCE COMPANY | $111K | $20K | $130K | 20.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | — | $69K | 11.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 911098299 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 5.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8 CADILAC DR STE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $13K | — | $13K | 2.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | DELTA DENTAL OF TENNESSEE | $10K | — | $10K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 6.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 911098299 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 3.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 911098299 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | — | $71K | 27.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 12.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 8.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 3.94% |
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 | 4,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 7,480 | $2.4M |
| Vision | DELTA DENTAL OF TENNESSEE | 6,598 | $454K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,889 | $1.9M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,332 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,890 | $1.3M |
| Other(9 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,218 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,480 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.