| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS SCHAFFLER3 | 525 W MONROE ST, STE 600 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $7K | $0 | $7K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84K | $0 | $84K | 10.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $33K | $33K | 3.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF TENNESSEE | $10K | $0 | $10K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF TENNESSEE | $479 | $0 | $479 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $732 | $0 | $732 | 0.65% |
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 | 1,181 | 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) | 1,184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 989 | $6.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,041 | $193K |
| Vision | VISION SERVICE PLAN | 620 | $113K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,166 | $824K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,166 | $824K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,166 | $824K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,166 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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.
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.