| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2026 VALLEYBROOK DRIVE BRENTWOOD, TN 37027 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $189K | $0 | $189K | 4.63% |
| CLINT L SCOTT3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY BUILDING B, SUITE 200 AUSTIN, TX 78748 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $35K | $0 | $35K | 0.87% |
| KURT DEGROSZ3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $34K | $0 | $34K | 0.84% |
| ADRIENNE JOHNSON3 | 4018 GRAYBAR COURT, SUITE 1240 NASHVILLE, TN 37215 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $18K | $0 | $18K | 0.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF TENNESSEE | $14K | $0 | $14K | 7.61% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 2.43% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 9.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DRIVE SUITE T220 MCLEAN, VA 22102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.18% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $22 | $22 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, FLOOR 10 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.45% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, FLOOR 10 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 21.83% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.29% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 450 | $4.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 435 | $190K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 450 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 291 | $200K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 291 | $200K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 291 | $200K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 665 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.