| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MCDANIEL3 | 3 CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $325K | $0 | $325K | 5.18% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $16K | $58K | 6.02% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $280 | $53K | 5.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.65% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $145 | $145 | 0.02% |
| THE AGENCY OF NORTH GEORGIA, INC.3 | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.55% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $69 | $4K | 8.20% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | METROPOLITAN LIFE INSURANCE COMPANY | $601 | $0 | $601 | 1.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $255 | $255 | 0.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $45 | $3K | 7.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $126 | $126 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $52 | $52 | 0.14% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $48 | $48 | 0.13% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $27 | $27 | 0.07% |
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 | 5,058 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,421 | $6.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,421 | $6.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,421 | $6.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,349 | $1.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,349 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,349 | $961K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,421 | $6.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,349 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,349 | — |
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.