| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFERY SPENCER3 | 6300 W 143RD, STE 200 OVERLAND PARK, KS 66223 | BLUECROSS BLUESHIELD OF TENNESSEE INC. | $60K | — | $60K | 2.69% |
| JOSEPH DIBELLA3 | 41 LIONS CT FREEHOLD, NJ 07728 | BLUECROSS BLUESHIELD OF TENNESSEE INC. | $31 | — | $31 | 0.00% |
| THOMAS A. BOYD3 | 5726 MARLIN ROAD, SUITE 212 CHATTANOOGA, TN 37411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.71% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $664 | $1K | $2K | 1.10% |
| THOMAS A. BOYD3 | 5726 MARLIN ROAD, SUITE 212 CHATTANOOGA, TN 37411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.11% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $169 | $1K | 5.54% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 | 5726 MARLIN ROAD, SUITE 212 CHATTANOOGA, TN 37411 | VISION SERVICE PLAN | $985 | — | $985 | 4.35% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $545 | — | $545 | 2.41% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 481 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 481 | $2.2M |
| Vision | VISION SERVICE PLAN | 197 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $196K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $170K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 481 | $2.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.