| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. LLC COMM. REVENUE | 39340 TREASURY CENTER CHICAGO, IL 606949300 | HYATT LEGAL PLANS, INC | $17K | $0 | $17K | 9.73% |
| AON CONSULTING INC3 | 39030 TREASURY CTR CHICAGO, IL 60694 | HYATT LEGAL PLANS, INC | — | $40 | $40 | 0.02% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE, LLC | 2670 UNION AVE EXT, SUITE 200 MEMPHIS, TN 38112 | ZURICH AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $3.1M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $434K |
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 | 12,818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 15,929 | $4.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 15,111 | $3.3M |
| Vision | EYEMED VISION CARE | 12,527 | $834K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 11,213 | $4.5M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 11,213 | $4.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 178 | $1.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 7,743 | $3.1M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 12,818 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,929 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.